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Professional Advice

Foro seguro de hogar: daños de agua a un tercero

Frances H.

Hi, I have a Home Insurance policy with RGA and the other day I had a broken pipe in my toilet that flooded part of the house.

The Insurance Co. sent me a plumber who fixed the pipe and they pay for the damages on the floor and walls of my house and the objects and furniture which are wet, but in my house there were several objects of my brother who was moving from home and I had left them at home until he could take them. The Insurance Co. tells me that they are not paying for those objects.

Is that correct? I understand his content was in my house, so they should cover me for water damage to a third party. On the other hand, being my fault would that not be a Civil Liability to be claim from me?

Thank you

Moderator, Sergio Sanguino

Dear Frances,

The damage to the objects owned by your brother could be covered by two guarantees, water damage and Civil Liability, but we understand that they are effectively excluded from both due to the following:

1. Water damage. There is no coverage as they are not part of the contents of the house. The Content includes objects that are within the risk insured and owned by the insured, and in this case they are not owned by the insured but by a third party.

2. Effectively this is a case of Civil Liability from you, as you are responsible of the damage, but the fact that it is your responsibility does not mean that it is covered by your policy, because in exclusions of Civil Liability we can find listed as excluded: “the obligations arising from damage to third party objects which, for whatever reason are hold by the insured, members of his family living with him, dependent and domestic employees”.

Therefore we understand that the damage to the content of your brother is not covered within the policy.

Kind regards.

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