Is Water Damage Covered By Your Home Insurance?

Document of Homeowners Insurance Policy for backgroundHomeowners Insurance and Water Damage

Coming home to see that your house is flooded is one of the most stressful situations you can walk into. Along with trying to salvage any items that have not been completely destroyed, you should look for your homeowner’s insurance policy to find out if you can make a claim.

When you make an insurance claim, your insurance agent will want to know where the water came from. If the water came from an outside flood, such as if the spring rains caused a nearby river to overflow, the damage will not be covered with your homeowners insurance. You will only be able to file a claim if you have a separate flood insurance policy.

If the water came from a burst pipe in your home, your home insurance may cover it. However, an adjuster will be sent out to look at the damage, and if they conclude that the pipe burst due to poor maintenance, then you will most likely have to pay for the damages out of your own pocket.

To help keep your home free of any unwanted water, keep these home maintenance tips in mind.

  • Check your washing machine hoses for any signs of deterioration. If your washing machine has old, rubber hoses, replace them with steel braided hoses that will last much longer.
  • If you find a small leak in your house, repair it immediately to ensure that it does not turn into a bigger, more expensive problem.
  • Install an automatic water shut off valve in your home that will shut off all of your water if it detects a leak anywhere in your house.

For all of your homeowners insurance coverage needs and to ensure that you are protected from any rising water, contact the insurance professionals at Mayer Insurance in Apple Valley, Minnesota.