Can I submit a claim for water damage (level 3) for an event after the insurance expired?

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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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UPDATED: Apr 24, 2019

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Insurance Question from Murphy, TX

Asked on 04/24/2019

Can I submit a claim for water damage (level 3) for an event after the insurance expired? The water damage happened while I had insurance but I did not discover the problem until after the insurance expired.

Answer given on April 26, 2019

While a “level 3” water damage issue is unknown, if you did suffer water damage to your home, caused by a plumbing or pipe issue within your home, you can file a claim even if the insurance policy has since expired.  You will need to prove that the damage occurred while the said insurance policy was in force.  That may be difficult, but if you have evidence it will help your situation.

If you are referring to flood damage due to high water caused by rains or tornados, the standard Homeowner insurance policy does not cover that type of damage.  It only covers water damage due to a broken pipe or similar situation. The damage is covered by the homeowner policy, but there is no coverage for the actual pipe that caused the damage.  In addition, the deductible on your homeowner policy will apply before any payment is made to you.

If you are certain that you have all the necessary information, contact the previous homeowner insurance company and file the claim. Stress that the damage occurred before your policy expired, but you were unaware until after the policy expired.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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