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Home Insurance Question from Huntsville, Alabama

Asked on 10/3/2018.   This question has received 285 views.
Proximate cause   I have further questions on my example: There is water damage in my home due to burst pipe. The cause of burst is wear and tear which is an excluded peril of my property insurance. I would like to know whether the water damage to the wooden floor of my home is cover under my property insurance or not. Question: 1. What is the proximate cause of the wooden floor damage? (I think that the proximate cause is wear and tear. It is because wear & tear -> pipe bursting->flooding -> floor damage. Is it correct?) 2. If the proximate cause of floor damage is “wear & tearâ€Â, why the household policy will cover the repair cost of the floor damage? Thanks

Answer given on October 6, 2018


why would you NOT want the insurance company to pay for the repairs?



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