Accidently Bathroom sink overflow. Will it be covered by my Condo Inusrance

UPDATED: Jul 26, 2013

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UPDATED: Jul 26, 2013Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 26, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Jul 26, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Jul 26, 2013Fact Checked

If your sink overflowed and damaged the downstairs condo unit, your insurance will pay for the damages to that unit, if you were considered negligent. The unit owner downstairs is apparently going through their insurance company. That company will cover their damages and will then probably subrogate against your insurance company. You should report the incident to your insurance company so they will be prepared.This being your second claim on your policy, your insurance rates can go up. It should not be adverse to your insurance policy, such as a threat of non-renewal, since the previous claim was not really negligence on your part, but a malfunction. However, you may want to talk to your insurance agent and confirm this will not be a problem with your insurance company. If they think it might be, you may want to see how much the damage is to the downstairs unit and possibly pay for it yourself.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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