What type of coverage do you need?

There are several answers to this question, depending on the specific situation. While there are hundreds of scenarios that could lead to water leaks in a home, Anais goes over four of the main causes of water damage and whether or not a home insurance policy will cover for them. 

1. Will home insurance pay for water damage to my floors if my pipes freeze and burst? 

Maybe - if you kept your home heated and left water running, and your pipes still bust, your home insurance WILL cover for water damages.

2. Will I be covered if a hurricane or heavy rainstorm causes water to leak through the roof, damaging the roof, interior of the house, and furniture?
It depends - if the storm created an actual opening in the roof to allow water to seep into the home, your home insurance company will pay for repairs to the roof, dwelling, and furniture. However, certain insurance companies offer endorsements that you can add onto your policy that will cover for damages, whether or not an actual opening was made in the roof to allow water to seep in. This is known as “wind-driven rain coverage."

3. Will I be covered if a sewer backs up on my street and floods the house with water, damaging the floors and furniture? 
No - standard home insurance policies do not cover for backup of sewer systems into homes. However, most insurance companies do offer an endorsement for sewer backup coverage that can be added onto the policy at a nominal cost.

4. My dishwasher suddenly went nuts and flooded my entire kitchen floor. Am I covered?
It depends - if you failed to maintain your dishwasher, the insurance company will not pay for damages, as the loss was caused by lack of maintenance. 

These examples are not black and white answers, but are more of a guide on how home insurance works when it comes to water damage. Every home insurance claim is different, and whether you get paid or not depends on your specific situation and how your policy is structured.

Click here to learn more about homeowners insurance, complete a quote request form, or contact us today, and one of our staff would be more than happy to answer any questions you may have on homeowners insurance. 

Share |


Water Damage Sryacuse said...
Love it. Starting my apprenticeship and Im always looking for pieces like this.

We get these questions all the time

Easy to read, valuable for any homeowner.
FRIDAY, MAY 17 2019 6:37 PM
Tveter Insurance said...
Thanks for sharing nice informative and interesting post about home insurance. This information are very useful.

FRIDAY, AUGUST 30 2019 12:09 PM

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2018
  • 2017

View Mobile Version

Our Customer Feedback

Our latest blogs

  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
© Copyright. All rights reserved. Powered by Insurance Website Builder