Frequently Asked Questions
My roof has been leaking slowly for months — is that covered?
Gradual leaks are often excluded as a maintenance issue. However, if the leak was sudden or caused by a storm event, coverage typically applies. The timing and cause are critical.
Does commercial property insurance cover sewer backup?
Standard commercial policies typically exclude sewer backup. You need a specific sewer and drain backup endorsement. Check your policy's water damage exclusion language.
A frozen pipe burst in winter and flooded my business — is that covered?
Yes, frozen pipe bursts are generally covered as sudden accidental damage. The insurer may probe whether the building was adequately heated — document your heating maintenance.
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