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Does Homeowners Insurance Cover Water Damage?

Nobody ever wants to deal with water damage. In addition to dealing with the loss of property, there’s also having to deal with the insurance company to see if your insurance covers the damage. So, how do you know if your homeowner's insurance covers water damage? Well, let’s take a deeper look at how homeowners insurance covers water damage in Tallahassee.

Does Homeowners Insurance Cover Water Damage?

Depending on what's damaged, two types of coverage within a homeowners insurance policy may apply when it comes to water damage. Dwelling coverage helps pay for damage to the structure of your home if it's damaged by a covered peril. So, if a pipe suddenly bursts and damages a wall, dwelling coverage may help pay for repairs. Personal property coverage helps pay for damage to your belongings if they are damaged by a covered risk, such as water damage. So, if that same pipe bursts and soaks your laptop or bookcase, that will cover the damaged items.

What Types of Water Damage Aren’t Covered?Flooded living room

  • Homeowners insurance does not cover certain types of water damage:
  • Damage from Unresolved Maintenance Issues
  • Replacing or Repairing the Source of the Water Damage
  • Water Backup from an Outside Sewer or Drain
  • Flood

Do You Suffer from Water Damage in Tallahassee?

If you have suffered from water damage, we know it can be a stressful time. After you call your insurance company, call us. At FP Property Restoration, we will work with you as well as your insurance company to make sure your house gets back to normal as quickly as possible. Contact us today to learn more.