Water damage is one of the most common and costly issues homeowners face, but not all types of water damage are treated the same when it comes to insurance coverage. Understanding the fine print in your policy can make the difference between a fully supported recovery and an unexpected out-of-pocket bill.
Sudden vs. Ongoing Damage
Your policy will generally protect against sudden and accidental damage. That includes burst pipes, a malfunctioning appliance, or a backed-up drain that causes water to overflow and damage your floors or walls. These types of incidents typically fall under homeowners’ insurance and water damage.
Water damage that occurs slowly over time, like a slow leak under the sink or long-term moisture buildup in a basement, is usually not covered. These are considered maintenance issues; insurance companies typically expect homeowners to catch and resolve them before they become larger problems.
What About Flooding?
It’s important to note that homeowners’ insurance flood coverage is not included in standard policies. If your home is damaged due to natural flooding, like heavy rainfall, a river overflow, or storm surge, you’ll need a separate flood insurance policy to be covered. This is especially critical if you live in a flood-prone area, where damage can happen quickly and extensively.
While some homeowners assume flood and water damage are interchangeable in insurance terms, they’re not. If the water touches the ground before it enters your home, it’s likely classified as flood damage, and a standard policy won’t apply.
Know What You’re Covered For
The best time to review your insurance coverage is before a disaster strikes. Look for the fine print that outlines precisely what types of water damage your policy includes. You may also consider adding endorsements for sump pump failures or sewer backups, which aren’t always included by default.
If you’re unsure whether your home insurance covers water damage, don’t wait until you’re standing ankle-deep in it to find out. Take time now to review your policy or talk with your provider.
Navigating insurance after water damage can be overwhelming, especially when recovering your home. At Warrior Restoration, we understand the ins and outs of coverage, and we’re here to help you restore your space and guide you through the process with clarity and care. For more information, contact us today!
