In some cases, water damage caused by an appliance, sewer or drain backup or other accident may be covered by homeowner's insurance. ... Some insurance companies may require that the homeowner acquire a special certificate after handling the source of the problem before they will provide coverage for a future incident.
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is your refrigerator broken or defected somehow?
Check reviews on it, maybe someone has the same problem. If it's plumbering you won't get compensation 99%