Standard homeowners insurance policies typically cover sudden and accidental water damage caused by toilet flooding (such as a supply line bursting or a catastrophic tank blowout that ruins flooring and drywall). However, insurance policies almost never cover damage caused by slow, long-term leaks or gradual wax ring failure, as insurance companies categorize those issues as preventable home maintenance negligence. Verification: Review your specific insurance policy declarations or contact your insurance agent to clarify coverage terms for sudden water damage.
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