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Water Damage: Does Homeowner Insurance Cover It?

8/24/2017

10 Comments

 
Picture
Water can cause a lot of damages around the house through many ways. At any point, one of your pipes can fail causing water damages underneath your roof or on your walls. The amount of money involved in house repair is no joke and you’d want to avoid spending out of your own pocket. You may have home insurance but do they cover any type of water damage?
Water Damage in the Ceiling

If your ceiling suffered water damage, your insurance will most likely cover the repair costs. This is only if the cause was deemed accidental and sudden. A good example of a situation that can be covered are leaking or busted pipes that drenched drywalls.

What Are the Limitations?

As a policyholder, it’s important to know that not all kinds of water damage are covered by your home insurance. Here are some examples.

Water Damages from Maintenance Issues: For example, an insurance company will not cover damages that resulted from unresolved issues with the maintenance. This includes plumbing works and leaky faucets.

Repair or Replacement of the Water Damage Source: Your policy will cover the repair of your walls or the cost of your floors. However, they are less likely to pay for your dishwasher or washing machine if they caused the water damages.

Damages Caused by Sewer Backup: In the event of a water or a sewer backup, your policy does not cover it. This is if you did not specifically ask them to add this coverage to your policy. Most insurance companies offer additional coverage for sewer and water backup. You just have to talk to your agent about it.

Flooding: Floods can be caused by storms, overflowing of bodies of water and many more. It’s easy to assume that this is automatically covered by standard home insurance. However, it comes as an additional coverage just like sewer backup insurance. You can ask your questions about being covered to the National Flood Insurance Program.

How Can I Prevent Water Damage?

Prevention is always the best practice if you want to keep yourself out of a wet situation at home. To give you an idea, here are some suggestions.

·         Regularly check the hoses that goes to your washing machine, heater, refrigerator and dishwasher. Perform maintenance and replace worn-out parts if needed.

·         Take care never to crimp a hose and check if they’re not lose when you move your dishwater, refrigerator or washing machine.

·         Water heaters should be drained at least twice a year to avoid sediment from building up.

·         Maintain heat within the house to prevent pipes from being frozen. You can also try to insulate them or let warm air touch them.
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·         Check the shut-off valve regularly and replace at least once every three years.

It’s important to be smart and check with your insurance agent whether or not your home is covered in the event of water damage. At Valencia Insurance, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (772) 344-8899 or Click Here to request a free quote.

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10 Comments
Betty Butler link
12/31/2021 04:06:59 pm

This is if you did not specifically ask them to add this coverage to your policy. Most insurance companies offer additional coverage for sewer and water backup. Thank you!

Reply
Jeff Carbine link
1/2/2022 07:34:22 pm

I never knew that one of your pipes can fail to cause water damages underneath your roof or on your walls. I have no idea about it but now I think I do, it is really a good article, I'll share this with my aunt. Thank you for the information about water damage insurance.

Reply
Evelyn Giles link
1/5/2022 01:58:57 pm

Repair or Replacement of the Water Damage Source: Your policy will cover the repair of your walls or the cost of your floors.

Reply
Paul Jake link
1/10/2022 07:06:32 am

Water can cause extensive damage throughout the home in a variety of ways. One of your pipes could fail at any time, causing water damage beneath your roof or on your walls. It is essential to be prudent and inquire with your insurance agent whether your home is covered in the event of water damage.

Reply
Remove Basement Water link
1/18/2022 10:55:08 pm

Very useful information through your blog. Will stay connected with your blogs for future posts. I appreciate how you suggest that prevention is always the best practice if you want to keep yourself out of a wet situation at home. Thanks for sharing this detailed post.

Reply
Dianne Barnwell link
4/2/2022 11:37:48 am

The amount of money involved in house repair is no joke and you’d want to avoid spending out of your own pocket. Thank you for the beautiful post!

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Raphael Gibbons link
10/15/2022 11:16:46 am

For example, an insurance company will not cover damages that resulted from unresolved issues with the maintenance. This includes plumbing works and leaky faucets. Thank you for taking the time to write a great post!

Reply
Robert Smith link
10/17/2022 02:39:56 pm

If your ceiling suffered water damage, your insurance will most likely cover the repair costs. This is only if the cause was deemed accidental and sudden. Thank you for sharing your great post!

Reply



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