SC Claims Adjuster Practice Questions - South Carolina Claims Adjuster Exam

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A South Carolina adjuster receives a water damage claim. Investigation reveals the damage was caused by long-term seepage through a foundation crack over several months. Is this covered under a standard homeowner's policy?

Yes, all water damage is covered Generally no — long-term seepage is typically excluded as it is not sudden and accidental; policies cover sudden and accidental water discharge, not gradual deterioration The claim must go to NFIP Only if the insured has a flood policy

Correct Answer:

Generally no — long-term seepage is typically excluded as it is not sudden and accidental; policies cover sudden and accidental water discharge, not gradual deterioration

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