Home Insurance Water Damage
Water damage that is covered under a Home Insurance Policy will depend on the source of the water damage…
Below are the 2 key things a homeowner should understand about water damage home insurance:
- What caused the Water Damage? or Where did the Water come from?
- Was the Water Damage “Accidental and all of Sudden”?
We will discuss these below…
What Caused the Water Damage?
The cause of the water damage is the most important thing to understand, when placing a water damage insurance claim.
When the source of water is not obvious, we recommend having a professional water damage contractor or plumber investigate the issue before placing an insurance claim.
Learn the 3 Secrets You Should Know Before Placing an Insurance Claim
There are many sources of water damage and the common causes of water damage are listed below:
- Water Heater Leaking
- Sump Pump Failure causing a Flooded Basement
- Broken water pipe
- Burst or frozen water pipe
- Water supply lines that break or burst
- Dishwashers that are leaking
- Refrigerator water lines that are leaking
- Toilet that is overflowing
- Broken drain line
- Water softener leaking
- Kitchen sink overflowing
- Flooded crawlspaces from a water pipe
3 Categories of Water Damage Insurance Coverage
All these sources can be broken down into 3 categories
- Broken Pipe or Burst Pipe Insurance Coverage
- Broken Appliance or Appliance Failure Insurance Coverage
- Drain Backup or Sump Pump Failure Insurance Coverage
Was the Water Damage “Accidental and all of Sudden”?
This question is the most confusing for our customers…. When they are placing water damage insurance claims.
The answer will normally be Yes…. there are only a few times where the answer is no.
Insurance companies will only cover water damage that is “Accidental and all of Sudden”, so if the answer is no or maybe, there is a chance that a homeowner could not be covered because of their answers.
The best way to avoid confusion and to understand your water damage better is to get a qualified water damage contractor to do an on-site inspection and assessment of the water damage.
When a water damage professional can see the water damage and understand the circumstances, they can help coach you through the water damage insurance claims process.
