Quote:
Originally Posted by calgirlinnc
A sprinkler valve attached to our home failed. It is literally on the exterior brick wall where the sprinkler pipes exit the home. (Cold weather area). When the sprinklers turned on in the middle of the night, water gushed for hours. State Farm says they do not cover water on the outside of the home entering the inside of the home.
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Somebody at State Farm is BSing you if that's what you were told. Who was it that told you that? A claim rep, your agent? Was it in writing quoting the policy terms?
The only exclusion that might apply is the freezing exclusion. It would not be covered if the valve froze and broke while you were away from home and failed to maintain heat or failed to shut off the water.
I don't see any other limitation that would cause the claim to be denied.
I am a retired property claims adjuster and I have a sample copy of a State Farm homeowners form FP-7955 that I am reading from.
I suggest you read your policy carefully and thoroughly and demand that they put the declination in writing, then go to
https://insurance-forums.com/communi...ance-forum.32/ (where I also participate) and post your details for further help.
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