Almost all property owners experience water damage caused by numerous problems, such as frozen pipes, floods, and defective plumbing systems. Unfortunately, unexpected water damage is inconvenient, damaging, and stressful. The saddest thing is that insurance companies only fully cover some water damage, but not all.
Keep in mind that many people opt for a cheaper insurance plan, like an HO-1 with limited coverage. So, what types of water damages do standard insurance cover?
Types of Water Damage That Insurance Cover
Usually, all water damage that is unexpected and sudden is covered by your insurance, however not gradual leaking. Your standard homeowners insurance should cover the following:
1. Frozen and Burst Pipes
Your insurance commonly covers the required repairs and cleaning of water damage resulting from a frozen pipe that burst. But there are a few instances wherein it may be rejected. For example, when you shut off your heater since you’re going away for a vacation for a few days, causing the pipe to freeze when temperatures outside dropped.
If you plan to get away for a more extended period, you can ask a friend or relative to look after your home and ensure your heat is running when needed. If you leave during the winter season, you may need to drain your plumbing system and turn off your water system.
2. Water Damage After a Fire
Putting out a fire needs hundreds of gallons of water, especially if the affected area is huge. Unfortunately, this causes damage to your house, destroying its structures. Additionally, it can cause mold, which is hazardous to your whole family’s health. Thankfully, most insurance covers mold.
3. Unexpected Leaks
Homeowner’s insurance can cover damage from leaking plumbing systems if it’s unexpected and unintentional. For instance, your washing machine supply hose suddenly breaks or a pipe bursts. Take note that you can not make claims if it’s due to poor maintenance. If you fail to repair a leaky toilet, they will probably not pay for it.
When looking for professional property damage restoration companies, like PuroClean, make sure to know the services they offer. It’s also important to choose one near you so they can attend to your needs right away. Remember, water damage needs immediate attention.
4. Water Damage from Storms
Homeowner’s insurance coverage does not cover all water damage brought on by a tornado, such as floods and earthquakes. If you want to make claims for water damage brought on by flooding, you need to get flooding insurance.
Your homeowner’s insurance can also cover water damage caused by wind, hail, lightning, or fallen trees. Ensure to read your plan to know what’s covered and what’s not.
5. Water Damages from a Roof Leak
Homeowner’s insurance policy typically covers roof leaks caused by storms. If a leak happens because of a lack of maintenance, you may need to pay for the repair services from your pocket. Generally, any unintentional occurrences that caused water damage to your home are covered by the homeowner’s insurance.
For example, when a storm knocks down a tree and puts a hole in your roof, your insurance will probably cover the disaster restoration services you need. However, in case of wear and tear causing a leak, you have to take care of the damage restoration expenses yourself.
Hazards Typically Not Included in Your Home Insurance
- Smog, rust, and corrosion
- Damage caused by pets
- Negligence and general wear and tear
- Damage resulting from an infestation of animals or insects
- War or government action
- Settling, cracking, or warping of your home’s foundation
- Earthquakes, landslides, and mudslides