Categories Claim Tips

Does Homeowners Insurance Cover Water Damage from Broken Pipe?

Does Homeowners Insurance Cover Water Damage from Broken Pipe?

Yes, most standard Homeowner’s Insurance Polices cover water damage from a Broken Pipe. 

Broken pipes that cause water damage by bursting “accidentally and of sudden” are covered most of the time in a Water Damage Insurance Claim.

What you Should Know about Water Damage Insurance Claims?

Water Damage Insurance Claims can be overwhelming if you do not have a professional water damage company to help you navigate the process. 

The First Step, before placing an Insurance Claim, should be to schedule an On-Site Inspection and Assessment, to determine the scope of water damage, to discuss the details of placing an Insurance Claim. 

During the On-Site Inspection and Assessment, the source of the water damage can be confirmed, and a plan can be developed to begin the water restoration services. 

Water Damage Insurance Claims Process

The Water Damage Insurance Claims Process can be described in 7 Steps:

  1. Place a Water Damage Insurance Claim
  2. Water Restoration Services
  3. Insurance Adjuster will Inspect the Property
  4. Estimates are Submitted to Insurance Company
  5. Insurance Payments are made to Homeowner
  6. Water Damage Repairs Begin
  7. Repairs are Complete and Final Payments Released

 

Author Corbin Clow, Restorex
Categories Claim Tips

Does Homeowners Insurance Cover Water Damage from Burst Pipes?

Does Homeowners Insurance Cover Water Damage from Burst Pipes?

Yes homeowners insurance does cover water damage from burst pipes and the coverage is not as limited as other types of water damage.

When placing a water damage insurance claim for a burst pipe it is important to know 2 things before you talk to the Insurance Company.

  • Did the Pipe Burst “Accidentally and All of Sudden”?
  • Do you know the Exact Source of the Water Damage?

Did the Pipe Burst “Accidentally and All of Sudden”?

This answer should be Yes!  Hardly ever does a homeowner or building owner make a pipe burst on purpose. 

This question has confused our customers in the past, when they call the Insurance Company to place a Water Damage Insurance Claim. 

Our customers are normally already dealing with a lot because their home is flooded with water damage and then an Insurance Company will slightly integrate them on all the details of their water damage.

Rest assured you don’t need to be the expert….but it does help to have a professional Water Mitigation Company look at the water damage before calling the Insurance Company.Our team will do an On-site Inspection and Assessment of the water damage to help our customers understand the scope of the damage and explain the water damage insurance claim process.

 

 

Do you know the Exact Source of the Water Damage?

This is an important question to understand before placing a Water Damage Insurance Claim.  An Insurance Company will want to know the Source before they will confirm Insurance Coverage. 

Sometimes the source or cause of the water damage is obvious but at times it may take an expert to track down exactly what caused the water damage…

This is when a professional Water Mitigation Company and Plumber can help a homeowner navigate the source of the water before calling the Insurance Company.  



Author Corbin Clow, Restorex
Categories Claim Tips

Does Insurance Cover Water Damage?

Does Insurance Cover Water Damage?

Yes, Insurance does cover Water Damage…but there are some details to water damage insurance claims that a professional water damage contractor can answer before a homeowner places an insurance claim. 

Water Damage Insurance Claims can be frustrating if you have never been through process. 

What to Know When Placing a Water Damage Insurance Claim?

You need to know the source of the water damage before you place a Water Damage Insurance Claim.

The source will determine if there is coverage and if the coverage is limited or not…

The best way to determine the source is to have a contractor do an On-Site Inspection and Assessment to find the source and cause of the water damage. 

After the source is found, it makes it easier to explain the issue and water damage to the Insurance Company representative and to answer their questions. 

Unfortunately, the initial phone conversation with an Insurance Company can seem like an interrogation. 

They will want to know the Source of the water damage…. and did it happen accidentally and all of sudden…. they may ask for an estimate upfront.  This is mostly to determine if it is worth it for the homeowner to place a water damage insurance claim.

If you call a professional water damage contractor to Inspect and Assess the water damage, they can let you know if you should make an Insurance Claim for the water damage.    



Author Corbin Clow, Restorex
Categories Claim Tips

Does Renters Insurance Cover Water Damage?

Does Renters Insurance Cover Water Damage?

Renters Insurance does cover water damage for the renters personal property, such as furniture or a computer….but the renter’s insurance policy will not typical cover water damage to the property’s structure. 

The property owner’s insurance policy will be responsible for covering the water damage to the structure.  This is important when deciding to place a water damage insurance claim.

Learn the 3 Secrets You Should Know Before Placing a Water Damage Insurance Claim

Water Damage that is Covered by Insurance

The types of water damage that is covered in a water damage insurance claim can be described in 3 categories.

  1. Broken Pipe or Burst Pipe Water Damage Claim
  2. Flooded Basement of Drain Backup Insurance Claim
  3. Appliance Water Damage Claim

All 3 of these categories are covered in a homeowners insurance policy but some scenarios can be limited depending on the circumstances. 

Broken Pipe or Burst Pipe Water Damage Claim

A broken or burst pipe is covered and not limited to lower amount than the limit of the insurance policy.  This will cover all the water mitigation and repair services to return the home back to its original condition.

It will also cover the personal property items that were affected by water.

Flooded Basement or Drain Backup Insurance Claim

Flooded Basements and Drain Backups are typically limited to $5000, $10000, or $25000.  This is dependent on the insurance company and how the insurance agent wrote the original policy. 

When a homeowner is experiencing these types of water damage it is important to double check the coverage before you begin the water mitigation services. 

Appliance Water Damage Claim

When water damage is caused by an appliance the water damage insurance coverage is similar to a broken pipe but the main difference is the repair or replacement of the appliance is not covered by the insurance company.

The insurance policy will cover the emergency water cleanup services and repair services…but it will not pay for the source of the water damage.  



Author Corbin Clow, Restorex
Categories Claim Tips

Home Insurance Water Damage

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:

  1. What caused the Water Damage? or Where did the Water come from?
  2. 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.

Author Corbin Clow, Restorex
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