Client #1 had a bathroom pipe break and flood the home.
Client #2 had a toilet clog and back up, spewing water into the home.
Which claim is not covered?
You guessed right - claim number two.
A pipe breaking is covered but a toilet that simply is clogged and backs up is not.
There is an endorsement on your home owner policy called "Water Back Up". I highly recommend you add it.
True Story: This was relayed to me by another agent, whose client was out of town. The person watching the home flushed a toilet and left. The toilet backed up, and flooded the home.
Water Back Up is different from something breaking/bursting.
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Ask your agent about adding this to your home owner policy.
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