---
title: Insurance will not cover homeowner water damage
description: My insurance denied my claim because leaks are covered if accidental. The toilet leaked and the ceiling in my bathroom and a common wall have been wet for 2 weeks now. Insurance denied my claim because it was not negligence.  What can I do to the insurance companies to pay?
image: https://www.condoassociation.com/hs-fs/hub/504/file-13172673.jpg
---

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# Insurance will not cover homeowner water damage

| [Condo Association Insurance](https://www.condoassociation.com/blog/topic/condo-association-insurance) |  

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## What do you think? Question:

I am in a pickle. My insurance denied my claim because leaks are covered if accidental not caused by wear and tear. The toilet upstairs leaked and the ceiling in my bathroom and a common wall have been wet for two weeks now. The insurance from upstairs neighbor denied my claim because it was not negligence. What can I do to the insurance companies to pay?

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## What do you think? Answers (20)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

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