Homeowner’s insurance is a necessity to ensure you are not liable for large repair and replacement costs if water damage occurs to your home. While there are precautionary measures you can take to reduce the risk of water damage to your home, it can still occur, leaving you with a need to restore the beauty, functionality and value of your home. A common question many have before beginning their homeowner’s insurance policy is “does homeowner insurance cover water damage?” We answer this question in this review, highlighting which types of water damage are covered and what may not be covered by your homeowner’s insurance policy.
When Does Homeowner Insurance Cover Water Damage?
Homeowners insurance covers water damage if the damage is both sudden and accidental. Water damage can occur in various ways. Most notably, homeowners insurance covers water damage if there is heavy rain or snow that damages the home’s exterior and enters the home, plumbing issues develop that are not caused by the homeowner, fire extinguishment and water damage that results from vandalism.
Rain Or Snow
When too much rainwater or snow builds up on your roof and other parts of the exterior of your home, it can lead to significant damage. This type of damage is typically covered by your homeowner’s insurance policy. This also includes damage that is caused by severe winds as well. However, if the damage is caused by a leak in your roof or other issues with the exterior of the home that should have been repaired, then the homeowner’s insurance may not cover the rain or snow damage. It also does not cover instances of flooding either.
Water damage that results from issues with the plumbing system is also covered in most homeowners insurance policies. This may be labeled in the policy as “overflow of water or stream” or “accidental discharge.” Plumbing systems may affect the following:
- Fire sprinkler systems
- Outdoor sprinklers
- Air conditioners
- Water heaters
- Circulatory systems
Issues with the plumbing system that involve these appliances may lead to water damage inside your home. Incidents (i.e. water discharge) that involve the washing machine or dishwasher may also be covered in your policy, although the replacement of appliances is likely not covered.
Fire extinguishment is necessary when a fire occurs at your home. Often, the cleanup process after a fire requires just as much water damage repair as fire damage repair. Most homeowner insurance policies cover water damage that results from necessary fire extinguishment, particularly if the fire was unavoidable or caused by someone else.
Homeowners insurance typically covers theft. In many instances of vandalism, water damage occurs. If this is the case, then be sure to notify the insurance provider as soon as possible to let them know about the vandalism. They can likely cover most of the costs involved in the vandalism, including covering the replacement cost of stolen property and repairing any damages that result (including water damage).
When Does Homeowner Insurance Not Cover Water Damage?
There are certain times when homeowners insurance may not cover water damage. This includes if the water damage results from flooding, sewer water or poorly maintained plumbing (i.e. an outdated pipe that bursts). It is important to understand the times in which your policy may not cover water damage to properly prepare and prevent them from occurring.
Basic homeowners insurance policies do not cover water damage that results from flooding. Flooding can occur from excessive rainwater, surging rivers, water seeping up from the ground and other occurrences. This means the policyholder is responsible for covering the water damage costs, so it is important to take precautionary measures to reduce the overall risk of flooding.
Damage that results from sewage water entering your home or damaging the exterior or roof is not covered with basic homeowners insurance policies. Many insurance providers, however, offer water backup coverage. This coverage protects you from sewage water backup in your home due to faulty plumbing or weather issues around your property.
Poorly Maintained Plumbing
Many insurance providers consider water damage that results from poorly maintained plumbing to be “neglect.” To prevent this, be sure to have a plumbing inspection and ensure your pipes are not outdated or moldy. If so, have leaky pipes replaced to reduce the risk of water damage and ensure you are covered with homeowners insurance if something were to occur.
Talk With Merchant Family Agency For More Answers To Does Homeowner Insurance Cover Water Damage
Water damage can occur unexpectedly and with little to no warning. When this occurs, it is important to have financial coverage so you are not responsible for high costs that you may not be able to afford. Homeowners insurance with Merchant Family Agency protects you from water damage that is not your fault. Call us or send us a message today to receive more information and begin your policy