Based on your description of the event, it is actually exclusion B.1.g.4. In this case, the insurer is incorrect in citing the exclusion you describe below, which is B.2.f. That is the primary challenge in finding coverage. Response 1: It appears that the water pipe, which burst under an adjacent sidewalk, was not on the insured’s premises or owned by the insured. Q: What is the difference between water seepage and accidental discharge from the breaking apart of pipes? Shouldn't we have coverage for the sudden burst of pipes? Specified causes of loss includes “water damage,” which is defined as “accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of a plumbing, heating, air conditioning or other system or appliance (other than a sump system including its related equipment and parts), that is located on the described premises and contains water or steam.” The definition of seepage is “continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more.” The claim was set up as “discharge/overflow of water/steam, except water backup,” but it was declined due to the water seepage exclusion. After a few hours, the ground was saturated and water came through the foundation and under the door. A water service line burst under the sidewalk outside an insured’s commercial property.
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