Insurers' 'Gradual Damage' Clause Leaves Homeowners Out in the Cold

Homeowners face significant financial losses when insurance claims are denied or capped due to gradual damage classifications, leaving them to cover repair costs themselves.

Across the country, homeowners are learning a hard lesson about the language of loss: discovering damage and causing it are not the same thing in the eyes of an insurer. The industry draws a firm line between sudden harm and harm that accumulates quietly over time, and that line — often set at seventy-two hours — can mean the difference between a full payout and a bill the homeowner must carry alone. As disputes over gradual damage rise steadily through the ombudsman's office, a deeper question surfaces about what insurance is truly understood to promise, and what it is actually designed to de

Insurers' 'Gradual Damage' Clause Leaves Homeowners Out in the Cold

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