Puppy beagel chewed the bath toilet pipe and hit the water line. We were gone and the whole apartment, down stairs apartment and the next le...

Question

Puppy beagel chewed the bath toilet pipe and hit the water line. We were gone and the whole apartment, down stairs apartment and the next level apartment got water damage. I was required to have renters insurance, my renters insurance says does not cover water back up, but that was not the case. My coverage is 300K. I contacted the insurance company and they took my report indicating that they will need to speak with management and look over my policy to determine if I have coverage. Because it was the puppy is there a possibility to say negligence on my part and they may not cover me?

Answer

An insurance policy should cover any negligence. That's a big part of what insurance is for.

Answer

If you were not negligent then you are not responsible for the damage to the two other units and your own that you rent. There should be coverage and if the insurance company denies that then you probably will need an attorney to review the policy and write them a letter as to why there is coverage.

Answer

There might be a bad faith claim against your insurance carrier. Please feel free to contact me though my website at www.lupofflaw.com for a free consultation. Or, you can contact me at my office at 818.385.0520.