Why would insurance deny a water damage claim

https://wiki-byte.win/index.php/Gateway_Water_%26_Mold:_Why_Insurance_May_Deny_Your_Water_Damage_Claim

Insurance might deny a water damage claim if the policy excludes gradual leaks, like a pipe that's been dripping for months, since they're considered maintenance issues. Also, if the damage resulted from flooding rather than a sudden burst, a standard policy usually doesn't cover that. Sometimes they argue the homeowner didn't take reasonable steps to prevent it, or the claim wasn't filed promptly, making them suspect ongoing neglect.