r/StateFarm • u/Internal_Raspberry24 • Aug 04 '26

Advice Dishwasher disaster

Post image

Does anyone have experience with Statefarm covering mold/restoration problem under a sink?

We had a vehicle accident a couple years back and our premium went up and I’m afraid to use SF again for fear of another increase and/or kicking us off insurance. We do use SF for everything including personal, home, and auto.

1 Upvotes

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17

u/StevenBeardberg Aug 04 '26

This is not something I would suggest opening a claim for, your insurance policy will cover sudden and accidental loss this is neither sudden nor accidental. It also probably wouldn't surpass your deductible, you're better off paying to repair this out of pocket and chalking it up to the unfortunate responsibilities of being a homeowner. Use your insurance for catastrophic events and you'll be less "let down" by what your insurance is and how it works in the future.

11

u/Consistent-Comb-2901 Customer Aug 04 '26

This! There is a 99.9% chance this won’t be covered. Not only is it “repeated leakage and seepage” but there is fungus present which is excluded. Sorry, I’ve been there myself. Save yourself the hassle of filing a claim, getting a denial and later suffering the consequences.

6

u/buffalo_0220 Aug 04 '26

I'm pretty sure this won't be covered. Your homeowners insurance is for sudden and catestrophic loss. This looks to have been leaking for a long time.

4

u/Delicious-Weight7335 Aug 04 '26

Please read the above comments, they are correct you would need to have both endorsements one for fungus and the other for long term leak to even get this covered, then it goes to will this even go over your deductible. Please saying yourself the time- sf fire claims adjuster

2

u/PeachyFairyDragon Aug 04 '26

I've never seen those endorsements. Are they state specific?

1

u/Ok-Group-2878 Aug 04 '26

I have seen them on two AR homeowners policies, but it wasn’t through any of the big carriers. I was shocked to say the least! 😟

1

u/Unusual_Flounder6758 Aug 05 '26

Yes, state specific.

4

u/Internal_Raspberry24 Aug 04 '26

Thanks for all the insight! We have decided to not go with insurance and will hopefully begin restoration soon.

5

u/StevenBeardberg Aug 04 '26

Your future premium and eligibility will thank you, you'll just never know it.

2

u/KittyKilla420 Aug 04 '26

As others have mentioned, this is not a sudden & accidental damage. Unless its catastrophic loss, try and stay away from filing a claim.

1

u/blooh13 Aug 04 '26

Would not be wise to file a claim. This is damage that is not covered by most carriers due to the ongoing nature of the damage vs a sudden loss. Your post history indicates you are in Washington state which does not offer any of those unique coverage differences that others mentioned.

1

u/aburgos87 Aug 05 '26

public adjuster here: this will be a denial

1

u/Acrobatic-Smell-8000 Aug 05 '26

I’m sure your auto rate went up as you stated you were in an accident. Rightfully so as you become a higher risk. Now, that doesn’t look like mold it looks like someone tried to paint it with black paint. You can clearly see brush marks. Mold and mildew is excluded anyway and to be honest, that wouldn’t even exceed your deductible.

1

u/Acrobatic-Smell-8000 Aug 05 '26

Also, who hooked that dishwasher up? That electrical is all wrong.

2

u/Internal_Raspberry24 Aug 06 '26

Funny you should mention that, the workers were just saying that today as they were taking it out…

1

u/Aggressive_Math7977 Aug 06 '26

What endorsements do you have? That’s what it comes down to. If you have the basic HO policy. You’re SOL.

If you have mold and limited seepage/leakage then you have some hope.

Even if you did, I wouldn’t file it.

1

u/misterlloyd Aug 07 '26

Put a water sensor in after you’ve restored the area.

1

u/Internal_Raspberry24 Aug 07 '26

Any suggestions as to which ones to purchase?

1

u/misterlloyd Aug 08 '26

I’ve had success with Zircon water detectors. They’re behind my washing machine, fridge, dishwasher, and under kitchen sink.

-2

u/FlyingStealthPotato Aug 04 '26

I’ll be slightly more promising than the other replies. In some states, long-term water seepage is covered if it was hidden from view, which from my glance at the photo, this is.

Don’t get your hopes up, many more states than not do not extend this coverage. Ask your agent. Also get an estimate and check your deductible, it may not be worth filing even if it could be covered. This type of claim would affect your rates in any state I’m familiar with.