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What Is Water Damage Legal Liability Insurance?

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If you or your company accidentally damage someone else's property due to water, you may want to consider purchasing water damage legal liability insurance.

The expense of legal liability insurance in the event of water damage is often included in the premiums of renter's, homeowner's, and condo insurance policies.

Methods of Operation for Legal Liability Insurance Against Water Damage

Liability insurance is a broad category that includes coverage for water damage. Protecting oneself from the possibility of being sued or held legally responsible (or "liable") for something is the primary purpose of liability insurance. If the insured is legally accountable for another party's loss, damage, or injury—even if it was accidental—their liability insurance will pay for the insured's legal defense and any resulting financial damages.

In the event of water damage, having legal liability insurance could save you from paying out of pocket for repairs. If, for example, the water heater in a condo on the second floor were to explode, causing water to leak into the condos on the first floor below, the owners of the second-floor condo would be protected by the water damage legal liability insurance, which would pay to repair the damage to the first-floor condos. The condo unit's owners could be held financially accountable for the repairs if they did not have water damage legal liability insurance.

Legal Liability Insurance For Water Damage and Homeowners' Policies

Water damage legal responsibility is typically covered by homeowners insurance, either as an integral part of the personal liability policy or as a separate rider. In most cases, the water damage must have occurred unexpectedly and unintentionally, such as the failure of a water heater, a burst pipe, a malfunctioning washing machine, or a leaking air conditioner. Your responsibility is also to the loss, theft, or injury of another's property or person.

However, the liability coverage may not apply, or your insurance provider may deny the claim if the triggering incident and subsequent water damage result from inadequate maintenance, malfeasance, or purposeful carelessness.

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