Will My Insurance Policy Cover Water Damage?

11/23/2020 (Permalink)

Water damage is one of the most common reasons for home insurance claims

Water damage is one of the most common reasons for home insurance claims. Damage can be sudden, such as from bursting pipes. It can also be gradual, like when water seeps through cracks in the foundation. Not all types of damage are covered by insurance, so homeowners in Acworth, GA, should be aware of what their policy covers.

How Can Water Cause Damage?

Types of water damage that can happen in your home include:

• Flood
• Sewer backup or overflow
• Storm-related damage
• Sudden accidental discharge
• Slow leaks and seepage

Your coverage depends on what kind of policy you have, the source of the damage and if it is gradual or sudden and accidental.

What Is Gradual Water Damage?
Gradual damage starts slowly and takes place over time. It may happen when deteriorated flashing or loose shingles allow water to enter through the roof, or when plumbing leaks slowly and causes damage to ceilings, walls or floors. Lack of repairs, such as failing to fix a broken pipe, and poor repair jobs can also cause gradual damage.
Because insurance is designed to cover sudden and accidental damage, your policy may not cover damage caused slowly over time.

What Is Resulting Damage?
Resulting damage differs from gradual damage and may be covered by insurance. For example, poorly installed plumbing may leak and cause gradual damage. If the leak results in bursting pipes, the resulting damage to the home may be covered.

How Do I Make a Claim?
If your home has sustained damage from a water source, the first step is to secure your belongings and prevent further damage. Shut off the water and make temporary repairs. When it's safe to do so, take photos. If you think you have a claim, call your insurance company. A claims adjuster can assess the situation and determine coverage for repairs and professional damage restoration expenses.
It's best to know your insurance coverage before a disaster happens. If you find yourself faced with bursting pipes or a roof leak, you won't be left wondering if the damage is covered.