Does house insurance cover a boiler that blew up and flooded my kitchen?

Answer 1

It will depend on your policy but I believe you will find that most companies cover the boiler and resultant water damage. Water damage the occurs this way is not considered a flood. I'm assuming the boiler is something like a water heater or furnace boiler. Any sort of water damage needs to be handled quickly and by trained personnel to minimize any mold damage which policy's usually have limits on. Call up your insurance agent and report this.

Answer 2

If you own a home, one of the basic perils is explosion. If the boiler in the house exploded, then normally any resulting damage would be covered, under a standard HO-3 form.

Answer 3

Look up your policy documents before you ring the insurance company. You may say the wrong thing to them and get tangled lated.

Some policies cover the cost of consequential damage but not the original damage. ie. the water damage but not the boiler.

Answer 4

Check your policy but most household insurers cover this type of accident.

Answer 5

Yes, it should, though it depends on your particular policy.

However, this should all be covered by your insurance. Just call them and let them know you need to report a claim.

Answer 6

it would cover ant damage to your kitchen but not the boiler,i tried it myself.

Answer 7

mom desires to envision the settlement she had with the inspector, first - to verify if there's a topic to what he inspected, or see what disclaimers she had, to verify if there is any recourse against the inspector (no longer likely). 2d, she desires to verify if there became any previous harm, if it became declared on the revenues settlement, or declared repaired, to verify if she has any recourse against the broker (in all probability). 0.33, she desires to communicate to her agent, and get that declination in writing - if there became an unknown, surprising rust by using of the drain line that led to water to run to the interior, that ok could be lined via her cellular domicile coverage, finding on the region of the drain. And if the wear and tear became led to via water BACKUP, particularly than working in the process the wall, the AGENT could have supplied "backup of sewers and drains" coverage. it is doubtlessly an "blunders and ommissions" declare on the area of the agent, till, your mom the two refused to purchase the coverage, or did no longer use an agent whilst she bought the coverage. look ahead to the coverage organization to disclaim the declare, in writing. Many, many cases, the guy taking the preliminary rfile, provides you with incorrect guidance approximately no remember if or no longer the declare is unquestionably lined. In different words, that's too early to panic. yet tell mom, to no longer throw something out till the coverage organization tells her she will.

Answer 8

should do, although if you rent they might tell you to claim off the landlords policy as he is responsible for the boiler.

Answer 9

was your boiler serviced every year ............... if not they may not pay for the boiler but should pay for the flood damage

Answer 10

I guess it would depend on your policy, all policies are different.

Call your insurance company, or look through your policy documents.