Q: Is having no hot water in the house for 5 days and a two year old in the house with me considered as an emergency?
Home owners insurance company stated that it is not an emergency to have no running hot water for five days and a two year old in the house. That because it's a plumbing issue even though in they're policy it states otherwise.
A: I'm sorry for your ordeal with a baby in the house. You could review the policy with a Nevada attorney, but if it is similar to most homeowner policies, the circumstances you describe might not be covered. Every policy is different and without seeing your policy, it's difficult to guess what it covers and what it excludes. But the typical homeowner policies that address things like hail damage, falling branches, etc. could exclude these types of situations. Good luck
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