NSW Concrete cancer unusual cause insurance claim

[hrxv1]

Concrete cancer in coastal areas can be caused by natural long term exposure to the elements. This is not covered by insurance. However, what is the situation when it is caused by a broken pipe or a leak that causes water to be absorbed by the concrete? Is this claimable?

 

[Docupedia]

I'd check what the policy's stance is on 'consequential damage'. Also consider:
- Whether the leak occurred during the period of coverage.
- Whether the leak itself was an insurable event.
- Whether the leak, if insurable, was reported to the insurer within the required time (whether this is calculated from when it happened, or when it was discovered - could be either).
- How long it took to do the damage.
- Whether the damage was discoverable.
- What steps should have been taken that may have led to the leak being discovered.
- What steps should have been taken to rectify any discoverable damage, but which were not taken.

Insurance companies are not your friend, and they will split hairs on coverage issues.