Coverage Validity Depends on Toilet Damage Classification as Sudden or Gradual
https://precisionemergencyplumbernearatouchwithcare2088.zenbloomer.com/posts/professional-leak-testing-and-sign-off-protocol-distinguishes-true-emergency-repairs
\nA cracked toilet qualifies as an emergency under insurance policy language when the damage results from sudden, accidental discharge rather than gradual wear or neglect