All property owners probably experience water damage caused by many issues, including frozen pipes, floods, and defective plumbing systems. Unfortunately, unexpected water damage is inconvenient, damaging, and stressful, especially that insurance companies only cover some types of water damage. Take note that many people select cheaper insurance policies, like an HO-1 that has restricted coverage.
Types of Water Damage That Insurance Cover
Typically, all water damage that is unexpected and sudden is covered by your insurance plan, but not gradual leaking. Your standard homeowner’s insurance must cover the following:
1. Frozen and Burst Pipes
Your insurance typically covers the needed property restoration of water damage resulting from a frozen pipe that burst. However, there are some reasons it might be rejected. For instance, when you shut off your heater because you’re going away for a holiday for a few days, causing the pipe to freeze when temperature levels outside dropped.
If you intend to get away for a more extended period, consider asking a friend or relative to check on your house and see to it that your heat is running when needed. In case of going away throughout the winter season, drain your plumbing system and shut off your water system.
2. Water Damage After a Fire
Putting out a fire requires hundreds of gallons of water, especially if the affected area is huge. This can cause damage to your house’s structures. Additionally, it can lead to mold, which is harmful to your relatives’ health. Thankfully, many insurances cover mold remediation.
3. Unexpected Leaks
Homeowners’ insurance can cover damage from leaking plumbing systems if it’s sudden and accidental. For instance, your washing machine supply hose breaks all of a sudden, or a pipe breaks. Keep in mind that you can not make claims if it’s due to inadequate maintenance. If you fail to fix a leaking toilet, it’s most likely that they will not pay for it.
When looking for a property damage restoration company, it’s important to work with professionals near you. Remember, water damage needs immediate attention. For instance, you can go online and find “water damage North Greece” to narrow down your search.
4. Water Damage from Storms
Homeowner’s insurance doesn’t cover all water damage triggered by a storm, such as floods and earthquakes. If you want to make insurance claims for water damage triggered by a flood, you must get separate insurance, such as flood insurance.
Your standard homeowners insurance can cover water damage caused by wind, hail, lightning, or fallen trees. Make sure to read your policy to know what’s covered and what’s not.
5. Water Damage from Roof Leaks
Your homeowners insurance typically covers roof leaks caused by storms. If a leak develops as a result of a lack of maintenance, you might need to pay for the repair work from your pocket. As a general rule, any unintentional incidents that caused water damage to your house are covered by the house owner’s insurance policy.
For instance, a storm knocks down a tree and puts a hole in your roof; your insurance will most likely cover the disaster restoration services it requires. But in case of wear and tear causing a leak, you have to take care of the damage yourself. Click here for more info about water and fire damage restoration.
Hazards Typically Not Included in Your Home Insurance
- Floods
- 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