They will never cover anything old wear and tear is what they say, but the insurance is what you pay for what heck is going on, they always have stipulations in the contract that don't make sence.
Insurance policies are not maintenance contracts, especially when it comes to water losses. "Sudden and accidental" is a key phrase in the policy. All policies are like that, not just Allstate's.
Are you a allstate agent wait tell the news corp here this especially with jessy jones on king 5 news just wait.