Why would insurance deny a water damage claim
https://whywouldinsurancedenywaterbase.novacrestiq.com/posts/why-would-insurance-deny-a-water-damage-claim-common-reasons-and-how-to-respond
Insurance often denies water damage claims when the policy excludes maintenance issues, like a slow leak from an old pipe, or when the damage is considered gradual rather than sudden, such as from long-term seepage. They might also reject it if you didn't report it quickly enough, or if they suspect you failed to prevent the problem. Reading your policy's fine print is crucial.