R. Joseph Ritter Jr., Financial Advisor
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It depends. Is the amount of the damage more than your deductible? If not, then it does not make sense to file a claim. How long have you known about the damage? If you just discovered the damage, coverage should not be an issue. If you have known about the leak for a long time, the insurance company has the right to deny the claim because you did not take steps to prevent damage. Is the damage from sewer backup or a leaky pipe or seal? Sewage backup is not always covered.
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