Dec 21

Types of Water Damage Typically Covered by Home Insurance

Terms: Restoration

Water damage is one of the most common causes of homeowner insurance claims. Knowing the extent of your homeowner insurance coverage can be helpful in the event you need to file a claim for water damage. In today’s post, Special Touch Restoration shares an overview of the types of water damage that can be covered by most homeowners’ insurance policies.

Types of Water Damage

Water damage is defined as damage to the house and/or property caused by water infiltration by natural or manmade sources. Some of the most common causes of water damage are:

•    Sudden discharge from broken plumbing or fixtures.

•    Water backup from the sewer or water lines.

•    Overflow caused by clogged toilets or drains.

•    Flooding from external sources.

•    Water infiltration during storms.

•    Gradual water damage from leaking pipes or unseen roofing damage.

The Types of Water Damage That Can be Covered

Coverage for water and fire damage varies between insurance providers. For example, most may not provide coverage for gradual water damage, because most of them can be prevented by adhering to regular maintenance. Other types of water damage, such as water infiltration during storms, may have separate coverage under storm damage insurance.

Generally, sudden or accidental water damage is more likely to be covered by homeowners’ insurance, while preventable water damage is less likely to have coverage. Conditions stemming from water damage, like mold growth, may depend on certain conditions to qualify for warranty coverage.

How to Tell If Your Homeowners’ Insurance Provides Coverage

Your insurance paperwork should include a clear description of its coverage. Pay attention to the list of exclusions, that is, the conditions that are not covered by insurance, and others that may void coverage. Some insurance providers may offer options to purchase coverage for specific conditions such as mold remediation. If your insurance paperwork doesn’t clearly reference coverage for water damage, it’s best not to assume and consult your insurance advisor about it.

Special Touch Restoration is your leading provider of water damage restoration services. Give us a call at (256) 330-4822 or (251) 512-1424. You can also fill out our contact form to schedule an appointment.