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water damage insurance

Will my insurance cover Water Damage Restoration?

Most home owners will be concerned about their water damage insurance only after a pipe bursts, a washing machine hose fails or when the roof leaks. Water damage is a very common disaster in homes, so you have to be prepared. Here are some typical disaster scenarios and information about the water damage insurance.

Frozen Pipe Burst

Water damage is among the most common causes of insurance claims.  When standing water gets trapped in pipes and the temperature plummets below freezing, the frozen water expands and bursts a hole right through the pipe or breaks the pipe at its seam.  If you do not catch t in time and the water starts to thaw out, you could be facing massive loss and damages. Most homeowners insurance policies do cover the resulting water damage unless it was caused by negligence, for example, the burst was caused because you left your home unoccupied and without heat.

Water Leak from Backyard Pool Ruins Your Lawn and Basement

Your homeowners policy does not cover swimming pool leaks the cause is a tree falling on the pool. Furthermore, damage to your basement and your personal property is generally covered, but most damage to your lawn is not.

Washing Machine Overflows

Several circumstances can cause your washing machine drain pipe to overflow. The most likely problem is a clogged drain pipe. Lint detaches from your clothing during the wash and is a common culprit in clogged drain pipes. Of course, there are other issues such deteriorating pipes, a kinked discharge hose, main sewer line blockages and inadequately sized drain pipes that can cause a washing machine overflow. Usually, your insurance will cover sudden or accidental leaks that cause a water damage. If you failed to maintain the washing machine, your insurance won’t cover the damage. To prevent washer overflows, check water supply hoses consistently and replace frayed ones.

Water damage insurance for Sewer Backup

There’s nothing worse than a sewer backup in your home or yard. While the issue may start with something small, it can quickly turn into a huge problem.  Standard homeowners insurance does not cover sewer backups, but you can purchase extra endorsements for sewers and drains.

Flooding from Natural Disasters

Standard homeowners policies do not cover flood damage. Floods can occur from storms, overflowing rivers or oceans, and over-saturated ground. You need to get it separate insurance for the probability of natural disasters causing water damage.

Water Beneath the Home Foundation Seeps into the Basement

Homeowners policies don’t cover this type of water damage restoration. Seepage is not sudden or accidental and qualifies as a maintenance problem.

Leaks Through the Roof During Rainstorms

If the roof was poorly maintained and neglected before the leak, there is a very high chance that it will be covered. However, insurance companies cover the water damage to your personal items, depending on the type of policy you have. H0-3 policies are the most generous but also the most expensive.

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