Water Damage and Home Insurance

One of the most frequent and well known causes of home insurance claims is water damage. It is not a pleasant experience to discover that not everything in your home insurance policy is covered, but it happens nonetheless. If an appliance such as a dishwasher begins to leak uncontrollably on a floor, or a pipe somehow bursts due to poor insulation during the winter and there is damage and mold left behind as a result, it is important to find out whether or not your insurance will cover it.

If a pipe was to burst during the winter while you were on vacation and you had not properly insulated it from the cold, you most likely will not be covered due to lack of preparation that would have helped to prevent this from happening in the first place.

You should be covered for any water damage caused by the seemingly disregardable act of letting your bathtub overflow, even if you were on the phone or cooking and not paying much attention and forgot to simply turn off the bath water. This accident is a fairly common occurrence.

Even in the common cases of a household appliance such as a dishwasher or washing machine suddenly malfunctioning and water gets all over the floor causing water damage, homeowner’s insurance will definitely cover this. Of course, you must pay for the necessary repairs on the machine on your own, but damage caused solely by the water is paid for by your insurance policy.

If the cause of the water damage is a leaky roof, and there is a heavy rain, you are covered by your insurance claim. You are also covered if rain seeps into your basement, if your basement floods into the basement and into the house itself. If a tree limb was to break off and damage your home and water damage to the structure resulted, then this would also be covered.

However, any water damage that may have been caused by a flood is not likely to be covered unless your insurance policy identifies a flood as a covered source of damage to your home. You must purchase flood insurance directly from the federal government, and your local community should be able to help you acquire any information as to whether they are a participant in the National Flood Insurance Program.

Jim Corkern is a writer and promoter of quality
Connecticut Mold Remediation services and
flood and water damage cleanup companies across the united states.