I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?
The sprinkler lines are in my attic.
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It’s common if the lines are outside lines. Insurance company’s only cover what’s inside the house. If the squirrel chewed wires in the house or under the house they are liable to replace them. Outside is another story however.
It is standard. I once had a toilet leak all downstairs and ruined the carpet, etc. , They covered the damage, not the toilet!