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Define Sudden & Accidental

Define Sudden & Accidental

Insurance coverage usually excludes damage that results over time.

Insurance coverage usually excludes damage that results over time.  For example, a leaky wall faucet which over time leads to damage drywall in a building, is not covered.  The reason this claim is denied is because insurance is meant to cover sudden and accidental damage. By its very definition, sudden and accidental excludes damage resulting over time or gradually.
 
Two common examples include:
  • Coverage is usually provided should a pipe rupture suddenly resulting in a water damage claim.
  •  X   Coverage is not provided should a pipe leak slowly resulting in water damage over time.
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    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

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    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

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  • Don S.

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    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.

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