Does Your Home Insurance Cover Water Damage?

​Knowing what insurance may cover when your property suffers water damage is crucial. Water damage is a far more common problem for your property than you may realize. Washing machine hoses can leak, and sprinkler systems can break down, damaging your property with water.

Keep reading to learn if your home insurance covers water damage.

When Does Home Insurance Cover Water Damage?
It depends on what led to the water damage. Unintentional water damage is typically covered, but gradual damage, such as a leaking bathroom sink, is not. A burst pipe's associated water damage is usually insured. For instance, your insurance would probably cover the water damage and your pipe if it freezes and bursts.

It becomes even more complicated as to how coverage applies. Insurance could cover a major dishwasher leak, or your claim could be denied. It all relies on the up-to-that-point maintenance you have done. Your insurer can reject your claim because you were careless and could have avoided the water damage.

Types of Water Damage Covered
Flexible policies cover detached constructions and your home from open risks. In most circumstances, your homeowners' policy should cover water damage, so you usually don't need to worry about it. It's crucial to comprehend the situations protected by your policy and those where a claim denial is possible.

1. Accidental leaks include plumbing or appliance leaks from a damaged dishwasher or washing machine.
2. Water damage results from a fire that was put out using water from a sprinkler system or a fire department hose.
3. Burst pipes might involve a frozen pipe that breaks, but not if you fail to maintain a sufficient level of heating in the house.
4. Storm-related water damage from hail or torrential rain.
5. Damage from a storm or fallen tree on your roof, as well as water damage from a roof leak.

Conclusion
One of the best ways to safeguard property from water damage is by taking preventative precautions. The key is to perform regular upkeep and rapid repairs. Remember that homeowner's insurance may only cover sudden and accidental water damage; ongoing maintenance concerns are not. It's preferable to fix any issues, such as a leaky faucet, as soon as they arise.

At Roper Insurance Services, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (828) 697-6709. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!