Understanding Insurance Coverage for Water Damage in Your Home

This is a question our office gets all the time! Whether you’re a first-time homeowner or have owned several homes over the years, it’s essential to know how your insurance policy handles water damage.

What is Water Damage?

First things first-water damage refers to any destruction caused by water intruding where it shouldn’t, leading to potential destruction of materials and systems within your home. This could result from various scenarios such as:

• Burst pipes
• Leaking roofs
• Overflows from sinks, bathtubs, or toilets
• Natural disasters like heavy rain or flooding

Types of Water Damage Covered by Homeowners Insurance

Your standard homeowners insurance typically covers certain types of water damage. Here are the main scenarios usually covered:

1. Sudden and Accidental Damage: If a pipe bursts unexpectedly (like many did on Christmas 2022) or your washing machine hose suddenly breaks, causing water damage, this is usually covered. The key terms here are “sudden” and “accidental.”
2. Roof Leaks: Damage from a storm causing your roof to leak and resulting in water damage inside your home is typically covered. However, if the leak is due to poor maintenance, you might be out of luck.
3. Overflow and Discharge: If your bathtub or toilet overflows due to a blockage or malfunction and damages your floors, this type of water damage is generally covered.

What’s Typically Not Covered?

Unfortunately, not all water damage is covered by a standard policy. Here are a few examples of what’s usually not included:

1. Gradual Damage: Water damage resulting from a slow leak over time, which could have been prevented with proper maintenance, is typically not covered. Regular inspections and upkeep are key to preventing this type of damage.
2. Flood Damage: Damage from natural flooding (like heavy rain, storm surges, or overflowing rivers) isn’t covered under standard homeowners insurance. For this, you’ll need separate flood insurance. We usually work with The Flood Guru for these types of policies. https://www.floodinsuranceguru.com/
3. Sewer Backup: Damage from a sewer or drain backup usually requires additional coverage known as sewer backup coverage. Check with your insurer to see if this is included or if you need to add it to your policy.

Tips for Protecting Your Home from Water Damage

Prevention is always better than cure, especially when it comes to water damage. Here are a few tips to help protect your home:

• Regular Maintenance: Inspect your home regularly for signs of leaks or damage, especially in areas prone to water exposure like the roof, basement, and bathroom. Look under the kitchen sink too for signs of damage.
• Install Water Alarms: These handy devices can detect leaks early, helping you address issues before they escalate.
• Maintain Your Gutters: Ensure gutters and downspouts are clear of debris to prevent water from backing up and causing damage.
• Know Your Policy: Familiarize yourself with your insurance policy’s specifics regarding water damage. Don’t hesitate to ask your insurance agent about any unclear aspects.

If you have any questions or need clarification about your policy, don’t hesitate to reach out to your insurance agent. Stay proactive, and your home will be well-protected against water damage.

Stay safe and dry today!