One of the exclusions under the peril accidental sudden discharge or overflow of water or steam is loss to the system or appliance from which the water or steam escapes.  Does this mean that the cost of labor and materials to replace the specific broken pipe that caused the water leakage will not be covered, but the cost of tearing out and repairing that part of the building to get to this pipe will be, in addition to other losses to the building and other items of insured property?

Guam Subscriber

You are correct; coverage is for tear out and replacement of part of the building to access the broken pipe, and damage to other property from the discharge from the broken pipe, but there is no coverage for the repair of the pipe. Likewise, the cost of labor and materials to repair the pipe are not covered as that is specific to the repair of the pipe only. Repairing the pipe automatically involves labor and materials, so those elements are not covered separately.