I had a water problem, not from a leak via a broken pipe but from my refrigerator that flooded my kitchen and dining area. Ok called my insurance company, they sent someone to clean up the mess, etc. Several month later I went shopping for a new policy. The company I contacted said they could not insure me for at least a year because I had a "flood claim". I explained that it was from a problem with the water line that fed the refrigerator ice maker. Their answer was their underwriter only see a flood is a flood does not matter what caused it.
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