wrote in message
oups.com...
Meanwhile due to the constant trickle of water the carpet
has been ruined. I am given to understand that the ruined carpet will
be covered under my insurance policy. However, the excavation and
replacing the damaged pipe might not be covered because the insurance
companies are not willing to pay for any settlement or age related
issues. Is this true? Is there any other way one can ask the insurance
companies to pay for this entire work?

Rule of thumb, if water comes down from above, it is covered. If water comes
up from ground, it is not. Read your policy and check wiht your agent, but
this is a maintenance type of problem, not a disaster. Just as they won't
repaint your house because the sun is beating on it and causing paint to
weather and peel.