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The standard homeowners policy provides coverage for accidental discharge or overflow from a plumbing or heating appliance; the intent of the policy is to provide coverage for sudden leaks or discharges, not for things that occur over time. (Photo: iStock) The standard homeowners policy provides coverage for accidental discharge or overflow from a plumbing or heating appliance; the intent of the policy is to provide coverage for sudden leaks or discharges, not for things that occur over time. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: We are working a claim where tenants occupied the property.  The original tenant sublet the property (without landlord consent). The second tenant vacated the property.  The first tenant returned and noticed that there was standing water.

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