Do insurance providers cover water problems?
Awakening to flooding in your basement due to a damaged water heater is anything however pleasurable– especially after you recognize your floor is damaged. Among the first questions you’ll likely ask yourself is, does my homeowner’s insurance cover water damage?
In this scenario, your standard homeowner’s insurance policy will cover the costs associated with the damage and an agent can help you start the process of filing a water damage insurance claim. However, not all types of water damage are covered.
Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowner’s insurance If the water comes from outside your home, it will not be covered by your standard policy. However, you can seek special protection from flood-related damages with flood insurance, which is a separate policy that can make a smart addition to your existing home coverage.
Types of water damage not covered by homeowners insurance.
Whether your homeowner’s insurance covers water damage depends on the source of the water that caused the damage. Here are three instances in which your homeowner’s policy will not provide coverage:
Maintenance problems that have not been attended to. For example, your homeowner’s insurance will likely not cover a water issue that is the result of a faulty sink that has been leaking for several months.
The actual source of the Water Damage Restoration Fillmore or replacement. If your washing machine caused water damage to the floor of your laundry room, your homeowner’s insurance will not cover the costs to repair or replace the machine. However, it will typically cover the costs to repair your floors.
Issues resulting from a flood. Flood damage will not be covered by your homeowner’s insurance policy and will require separate flood insurance coverage.
Preventing water damage
Even if the damage is covered, it’s still easier to not have any water damage at all. The
The following tips can help prevent water damage in your home:
-Inspect, clear, and replace hoses going to and from washing machines, dishwashers, water heaters, and refrigerators.
-Ensure water supply lines are clear and open. If they run under other objects, make sure they are not crimped or pinched.
-Drain water heaters twice a year to prevent sediment buildup.
-Prevent frozen and burst pipes by keeping them warm and insulated. Run a trickle of water through any pipes that run to the outdoors.
-Have a regular check-up from a Water Damage Restoration Fillmore team.
At 770 Water Damage & Restoration, we have experience with disaster recovery of all kinds. Our goal is to protect you and guide you through the process smoothly. We will assist you with your insurance claims. Insurance or not, we got you covered! Call (877) 337-0225 now and we will be at your place in under 60 minutes in most cases!
