Originally Posted by
jp1
Off the top of my head I don't recall this one way or the other. My guess, though, would be that in single family homes it's probably wind and storm damage and in multi-unit buildings water damage from burst pipes of some sort. When I was an insurance broker in NYC we had a lot of residential buildings as insureds. The five or six main carriers that actually covered habitational there worked together whenever a claim came in to stop the problem and rip out the wet drywall quickly to prevent the much greater expense of mold from happening and then would haggle over which carrier's client was responsible later since depending on where the pipe broker it could be either the HOA, the tenant's own pipe, or a neighbor of the insured's pipe that was responsible.
Regarding ice makers, we had one in our city apartment, but don't have one here. I don't miss it but SO does. Personally I prefer not to waste half the freezer space with a big piece of machinery.