Whether or not homeowner’s insurance covers Water damage can be a tricky thing to understand on your policy. Some water damage losses may be covered, but others may not; it all depends on what the cause of the water damage was. Keep on reading to find out if your scenario is covered by insurance or not.
When does your homeowner’s insurance cover water damage?
Typical homeowner’s insurance policies will cover water damage if the water has not touched the ground outside. This contingency is in place by insurance agencies for a variety of reasons, but mainly to avoid covering damages caused by a homeowner’s negligence.
Covered:
If you have experienced…
- Bursted pipe
- Leaking roof
- Appliance overflow
- Water damage from rain that didn’t touch the ground (for example, if your window broke during a storm and rain had entered)
- Mold as a result of water damage
Breathe a sigh of relief, because you are most likely covered by your homeowner’s insurance. In these scenarios, the water hadn’t touched the ground before entering the house, deeming it a sudden and internal scenario that should be covered.
Not Covered:
But, if you instead experienced…
- Flooding
- Sewer back-up
- Ground seepage
- Neglected plumbing that leads to leaks
Your situation is most likely not covered by homeowners insurance. Water damage caused by lack of personal home maintenance usually means it’s coming out of your wallet. Make sure to always do annual inspections to ensure your home is in good health, and keep an eye on your plumbing’s integrity.
If your property is located in a flood zone, tsunami, or hurricane area, it’s worth getting flood insurance in addition to homeowner’s insurance, to avoid any headaches. Knowing your climate is key to picking the right policy to ensure you won’t find yourself dipping into the rainy day fund.
How to navigate a water damage claim?
After notifying insurance, the next step is asking for help. Call a restoration & construction company like NuBilt to quickly put a stop to any further property damage, and start mitigation. These companies will provide an estimate and work with your insurance to maximize your water damage claim.
Questions or concerns? Don’t wait before it’s too late. Reach out to NuBilt now at 303-368-4688.
Thanks for reading!
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