What Is Covered by the Insurance When Water Damage Occurs?

Man with paper family and umbrella.Your home is one of your most important assets, and you do everything that you can to keep it safe. Your homeowner’s policy is a safeguard against damage that may occur to your home, and it’s vital that you understand what your insurance company will cover.

Knowing how claims adjusters assess damage will help you navigate the claims process.

Damage Caused By Mechanical Failures

Your policy typically covers property damage to your home and other dwellings on the property due to the following issues:

  • Burst pipes
  • Leaky water heater
  • Leaky washing machine
  • Leaky dishwasher
  • Sewage backup

There are two important distinctions to make when it comes to whether homeowner’s insurance will cover your water damage. The first question is where the water causing the damage came from. If it was an internal source such as a pipe, it is typically covered.

The second question is whether the cause of the loss was sudden or gradual. Sudden damage is considered accidental, while progressive damage may be viewed as a failure to maintain your property.

Claims Due To Weather Related Incidents

Harsh weather can cause havoc in your home, especially when it comes to water damage. Your policy normally covers damage from rain entering your home and other structural damage related to the weather. However, flood damage is often excluded by insurance carriers.

You must purchase separate flood insurance to be fully covered.

When Your Claim Gets Denied

If your water damage claim is denied, you may not be able to recover financially or even save your home. It’s not uncommon for a claims adjuster to find any reason to deny your claim. The experienced attorneys at Strems Law Firm can work to help you get your claim approved.

We specialize in property damage claims and have helped victims of Hurricane Irma rebuild their homes.

Call us today at (786) 661-3111 and seek what’s rightfully owed to you by the insurance company.


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