Water Damage – What does homeowners insurance typically cover?

12/20/2017 (Permalink)

Have you reviewed your policy lately?

Water damage claims are quite common in the insurance world. However, not all types of water damage are covered under every Massachusetts homeowner’s insurance policy. Below, we have listed some general coverage under a typical homeowner’s insurance policy.

 Burst Pipes and Leaks – Typically Covered

Water damage from pipes is usually covered. This is why homes that have updated plumbing systems will typically have lower insurance premiums. However, if you didn’t take precautions to prevent the problem your claim may be denied. An example of this would be a pipe freezes and bursts because you left your home unheated.

 Water Damage From Appliances – Typically Covered

Sudden leaking from an appliance that is not due to improper upkeep is typically covered under your homeowners insurance.

 Roof Leaks – Typically Covered

When water leaks through your roof the damage to your home is usually covered as well as damage to your belongings. The roof repairs will be covered if an external factor like hail or a fallen tree caused the roof leak. If it is a maintenance issue that led to the leak you will likely have to cover the roof repairs yourself.

 Flood Damage – Not Covered

Floods are rare, but when they do occur they can cause significant damage and even destroy a home entirely in a matter of minutes. Flood insurance is not typically a part of regular home insurance policy. If you live in a floodplain or want the additional coverage you will have to get a flood insurance policy in addition to your homeowners insurance.

 Backed Up Drain or Sewer Line – Not Covered

Damage from a backed up sewer line or drain, is not covered on standard home insurance policies. However, you can add this coverage on with an endorsement. It will be an additional cost, but it provides additional coverage.

 Ground Water Seepage – Not Covered

When water floods into a basement or causes foundation problems because of seepage from ground water this is considered a maintenance issue not an accident. Therefore, most insurance companies don’t include seepage in their policies.

 Mold – Possibly Covered

Mold is often a result of water damage, and it can begin to develop within a few days. If mold is caused by a type of water damage that is covered by your insurance policy, then mold removal may be covered as well. Like sewer line and backed up drains, you can also get additional coverage specifically for mold remediation added on to your policy so you’re covered anytime it occurs.

 Again, each person’s insurance policy is different. It’s important that you carefully review your policy to understand what water damage is covered.  For professional water damage cleanup, contact SERVPRO of Chambersburg today at 717-261-0310