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ACV vs. RC Recovery in Liability Claims - Revisited

A burst water pipe in a neighbor’s yard causes water damage to flooring in your insured landlord’s rental home. The rental home DP insurer denies the damage, citing the “surface water” exclusion. The neighbor’s HO insurer says they only have to pay ACV and won’t replace mismatched carpeting that wasn’t directly damaged. What can your insured do?

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​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556
email: info@iiaba.net

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