If not caused by an insured risk then no it's not covered. You need to find out what caused the tiles to crack in order to confirm if covered
Either way, if the damage to the tile was sudden and unforeseen, this would be classed as accidental damage. QUOTE]
From a personal point of view I dont see how this could be classed as accidental damage under the deffinition of any insurance policy
Either way, if the damage to the tile was sudden and unforeseen, this would be classed as accidental damage. QUOTE]
From a personal point of view I dont see how this could be classed as accidental damage under the deffinition of any insurance policy
From a professional point of view, I can. Having said that, as previously pointed out, insurers will generally try to resist this type of claim. The term accidental damage is a wide and all encompassing term. In essence, any type of damage is covered, unless specifically excluded. The exclusions are many, not only those specified under the accidental peril, but also any exclusion that applies to any peril listed in the policy. Most people, including many claims handlers do not fully understand the accidental damage aspect of a policy.
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