what claims are not covered by water damage legal liability insurance 
if the event causing the water damage resulted from poor maintenance malfeasance or deliberate carelessness the water damage liability coverage might not apply meaning the insurer would deny the claim 1the bottom linewater damage legal liability insurance provides an owner financial protection from accidents and unforeseen events that cause water damage to other people or their property typically the standard homeowners insurance policy includes water damage legal liability insurance but you can increase the coverage as needed 