There are many reasons your home may experience water damage, from accidents to flooding to storms. But which types of water damage are covered by homeowners insurance? Many who already have homeowners insurance assume their homes are automatically covered in the event of water damage, but unfortunately, the situation just isn’t that simple. Keep reading to learn what you need to know, courtesy of our cleaning and restoration pros at FP Property Restoration.
Homeowners Insurance & Water Damage: What Is & Isn’t Covered
When it comes to water damage, insurance providers are primarily looking for rapid, internal damage to your property. In many cases, it’s key the water that affected the inside of your home never touched the outside ground—as it is likely your policy only covers your interior property. Sudden accidents, such as something in your house cracking, tearing, or burning, are all likely to be covered under your homeowners insurance; basically, insurance companies are looking for damage that occurred without warning, which you could not have predicted.
Common types of water damage covered by homeowners insurance:
- Storm damage
- Plumbing damage (burst pipes, frozen pipes, faulty connections)
- Leaky roof damage (typically covering damage from the leaking roof, not the roof itself)
- Damage from overflowing fixtures and appliances, including toilets, washing machines, bathtubs, and more
- Damage that occurred from putting out a fire
- Mold Growth (assuming it can be directly linked to water damage)
In contrast to the scenarios listed above, water damage can also occur because of some type of perceived negligence on the part of the homeowner. If your insurance provider believes the damage to your home was predictable, and could have been avoided with general maintenance and property upkeep, you may have to cover the cost of water damage repairs yourself.
Types of water damage that may not be covered by homeowners insurance include:
- Sewer Line Back-Ups
- Drain Line Back-Ups
- Damage Stemming from Leaky Pipes
- Ground Seepage
How Do I Protect My Home from Water Damage?
There’s a fine line between coverage and claim denial when it comes to water damage. Many insurance companies are prone to debating whether you could have prevented your problem with plumbing maintenance, or if there were signs leading up to the event in question that indicated damage could occur. Fortunately, FP Property is here to make things easier for everyone.
When you hire our water damage restoration experts, your Project Manager will be in constant communication with your insurance adjuster, helping you navigate this process from start to finish. One of the reasons customers love us is that we are a preferred vendor of many insurance companies, and understand all the complexities related to receiving compensation following flooding and storms. Speaking of which, we are also the top provider for storm damage restoration in the area, and have even earned national recognition for our response to Hurricanes Harvey, Irma, and Michael. Whether you’re dealing with fire damage that led to flooding or mold damage that occurred as a result of said flooding, our licensed property restoration and mold remediation specialists have you covered. Call us 24/7 for emergency service, and we will be on-site in 30 minutes or less to begin the process of helping you rebuild your property.