Is Water Damage Covered By Homeowners Insurance?

6/16/2021 (Permalink)

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If the water damage in your property is due to sudden and accidental causes, you may expect that it is covered in your homeowner's insurance policy.

Situations like if a pipe bursts in the second floor resulting in water saturation of your ceiling in the first floor or if the drywall becomes wet as a result of your water heater rupture are some instances where your insurance helps you pay for the repairs.

Two Kinds of Homeowners Insurance Coverage That Can Cover Water Damage

Discover the damage to determine which among these two kinds of coverage it applies to.

1. Dwelling Coverage

This covers damages to the structure of your property in the event of a covered peril. For example, your wall gets damaged because a pipe burst unexpectedly. In this instance, dwelling coverage can help you pay to restore the damage.

2. Personal Property Coverage

As the name implies, this helps you pay for damages incurred on your possessions if the damage is due to a covered risk. So, if your bookcase or laptop becomes wet due to a burst pipe, then personal property coverage can help with the repairs or replacement of these damaged belongings.

However, you must remember that there will be a deductible applied before your insurance coverage takes effect. In addition, take note of the coverage limits of your policy to know how much coverage can apply to your claim.

Your chosen water damage company should be able to help you with the adjustments and insurance claims.

In the end, you have to ensure that your home is properly maintained to provide the best protection against water damage. However, in case of sudden and accidental damage, consulting your authorized agent to make sure that your property is fully covered should also be done.

Lastly, choosing a professional restoration and cleanup company like SERVPRO that you can call during disasters should also be equally prioritized as soon as you have your property. For your water damage repairs and restoration needs, contact us any time you need expert assistance.