Did you Know... Water damage due to wear and tear may not be covered.Under most homeowner/renters policies, a long term leak that is caused by wear and tear is not covered. So, you may not have coverage if the supply lines and/or drain lines had been leaking for an extended period of time, as evidenced by nearby wood rot and the corrosion on the lines.

Sample Policy Wording:

SECTION I — Insured Perils
We insure risk of direct, sudden and accidental physical loss to the property described in Coverage A – Dwelling, Coverage B – Other Structures and Coverage C – Personal Property unless the loss is excluded elsewhere in this policy.

SECTION I — Exclusions
We do not insure loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.

11. Loss caused by:
 a. Wear and tear, marring, scratching, deterioration, rust or other corrosion.
 b. Inherent vice, latent defect, mechanical breakdown, manufactured defect or mechanical failure.
 c. Mold, mildew, or other fungi, their secretions, and dry and wet rot of any kind.


This exclusion does not apply to:
 a. Ensuing loss caused by fire or explosion.
 b. Water damage caused by water that suddenly escapes from a plumbing, heating, fire protection sprinkler or air conditioning system. or domestic appliance because of any of the above.
 c. The cost of tearing out and replacing any part of your dwelling or other structure necessary to repair the system or appliance.

 But we do not insure loss to the system or appliance from which the water escaped.

12. Loss caused by continuous or repeated seepage or leakage of water or steam from within a plumbing, heating, fire protection sprinkler or air conditioning system or from within an appliance that occurs over a period of weeks, months or years.

  This exclusion does not apply to ensuing loss caused by fire or explosion