Water damage can be a homeowner’s worst nightmare, and understanding what’s covered by your insurance policy is key to avoiding costly surprises. Not all water damage is created equal in the eyes of insurance, so let’s break down what’s typically covered and what’s not.
Water Damage Coverage
Most homeowners insurance policies cover certain types of “sudden and accidental” water damage, including:
- Burst pipes: If a pipe bursts and causes water damage to your home, your policy will likely cover the repair of the damage (but not the pipe itself).
- Appliance leaks: If your dishwasher or washing machine suddenly leaks and damages your floors, you’re typically covered for the damage caused.
- Roof leaks: If a storm damages your roof, leading to water entering your home, the resulting damage is usually covered.
Claims Scenario – Burst Pipe
- Scenario 1: A pipe bursts in your kitchen while you’re out for the day, and you come home to a flooded floor. Your insurance policy covers the damage to your floors and cabinetry, helping you avoid a huge repair bill.
What’s Not Covered?
Unfortunately, not all water damage is covered by homeowners insurance. Here are some exclusions to watch out for:
- Flooding: Damage caused by floods, such as rising river water or storm surges, is not covered by standard homeowners insurance. You’ll need a separate flood insurance policy for that.
- Sewer backups: Damage from sewer or drain backups is usually not covered unless you’ve added sump pump or water backup coverage to your policy.
- Gradual damage: If the water damage happens over time, like slow roof leaks or long-term pipe corrosion, your insurance may deny the claim, citing lack of maintenance.
Claims Scenario – Gradual Damage
- Scenario 2: Over time, a small leak from your roof has caused rot and water damage in your attic. Unfortunately, this wouldn’t be covered since it’s considered gradual damage due to neglect or lack of maintenance.
Understanding what water damage is covered by your homeowners insurance can help you avoid a lot of stress and financial strain. At Grace First Insurance Agency, we’re here to help you navigate your policy and ensure you’re protected. Need extra coverage for floods or sewer backups? Contact us today at 714-968-8008 and let’s discuss your options today!
