I have a claim where a cast iron waste line broke and caused ensuing water damage to the building, which is insured under a CP 00 10 04 02 with a CP 10 30 04 02 causes of loss form.

The carrier denied the entire claim due to wear and tear and deterioration of the pipe. I believe the pipe is excluded, but the ensuing water damage should be covered.

Please help clarify this situation.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis