What we handle
- Cast iron drain and waste pipe collapses
- Below-slab cast iron failures
- Inside-wall cast iron failures
- Multi-point cast iron system failures
- Consequential water damage and mold
Why cast iron claims get denied
Carriers' standard argument: "Cast iron pipes are at the end of their expected life. Failure is predictable deterioration, not a sudden accident. The wear-and-tear exclusion applies."
The counter: deterioration over decades and a sudden collapse at a specific point in time are distinguishable. The collapse is the sudden event. Consequential water damage flows from the collapse. Most policies cover the ensuing water damage even when the pipe itself may not be.
Documentation that supports the claim
- Sewer-camera inspection showing the specific failure point
- Plumber's diagnosis of the collapse
- Timeline distinguishing gradual deterioration (long-term) from sudden collapse (event)
- Photos and video of the failure
- Damage documentation on walls, floors, cabinets
Policy language matters
Review your policy carefully. Common relevant provisions:
- Sudden-and-accidental discharge coverage
- Tear-out coverage for access to repair
- Mold sublimit (often $10,000)
- Water damage limited coverage ($10,000 post-SB 2A policies)
- Matching statute (Fla. Stat. 626.9744) for flooring replacement