How water, fire, and mold claims work, and what your policy usually covers in California.
Most California homeowners policies cover water damage that is sudden and accidental, and exclude slow leaks, wear and flood. Where the line falls, what the mold limit means, and what to do in the first hours.
¿El seguro de vivienda cubre daños por agua en California? Normalmente sí cuando el daño es repentino y accidental, y normalmente no cuando es una fuga lenta o una inundación. Qué está cubierto, qué no, y qué hacer primero para documentar su reclamo.
Standard homeowners policies exclude mudslides — but that’s not the whole story. NFIP covers mudflow, DIC policies cover landslides, and after a wildfire, California’s proximate-cause doctrine can put the claim on your fire policy.
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