Be careful how you report water damage from a leaky toilet or backed-up septic to your insurance company. While you must be truthful, make sure you explain the situation using the most accurate language — or you could find your claim denied.Most people would not say, “my wife says she kinda thinks she heard the toilet running for many days…so, she did not think it would cause a problem while we were away for the Labor Day Holiday!” But, SOME WOULD!”

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