Type of Loss: Water – Toilet Overflow

The owner has a bathroom where the toilet flap had been malfunctioning causing water to continuously run into the toilet bowl but has not caused any water overflow. The owner's daughter flushed a paper towel down the toilet by accident around 8pm. The next morning around 6am, owner found the house flooded due to the toilet now overflowing.

The insurance carrier has decided to implement a water damage sublimit of $10,000. Upon our review, this is appropriate only for damage caused by "water backup and sump overflow", which according to the owner is not the type of loss that occurred.

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