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water damage claim denial in Georgia USAA policy

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airforcemom

New member
My son had water damage in living area and kitchen due to busted pipe under slab in kitchen resulting in flooring and cabinet damage by water. USAA homeowners insurance denied coverage due to "wear and tear" of plumbling. Shouldn't the flooring and cabinets still be covered because of water damage? He is active duty Air Force and this doesn't seem right.
 


adjusterjack

Senior Member
Shouldn't the flooring and cabinets still be covered because of water damage?
A busted pipe is sudden and the resulting damage should be covered by the policy.

The on-going damage caused by a long term leak due to the pipe's deterioration is not covered.

Have your son come here and describe what happened, how the leak and damage was discovered, what pipe was it, what the pipe looked like when he had the floor opened up to fix it.

He is active duty Air Force and this doesn't seem right.
That has nothing to do with anything. It's what the policy says that counts.
 

FlyingRon

Senior Member
And I can tell you that if USAA didn't cover it, it's highly likely that there's nothing to do about. They're top notch. I've had more than a few claims with them over the 44 years I've been insured with them. Never had an issue. When I had a pipe burst, the remediation company was calling my cell while my wife was still on the phone with USAA on the initial claim report.

As pointed out, a slow leak is maintenance and that's not covered even if it does damage. Now on the other hand, if it was a burst and it took a period of time to detect because of the location, he might have a chance. You can always appeal to the carrier with more details if that seems to be the case.
 
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