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Ran into Insurance Adjuster today and she told me the following story ...

An insurance claim was made by an owner who was away from his home for 3 weeks and not having it checked as per his policy.

 It was a new home and had an "On Demand" water boiler installed. It sprung a leak and flooded the house completely for the time this family was away.

Needless to say, the house became moldy everywhere and a huge remediation job was required as it was now unliveable.

Costs were not covered. Stupid.