What Kinds of Water Damage Are Covered By Home Insurance?

Coverage from water damage is a type of protection that you can usually expect from most homeowners insurance companies. While most insurance policies are pretty straightforward, it is still important to read through them carefully to really understand exactly whether or not you are actually covered as water damage can come from different sources.

When Does Homeowners Insurance Cover Water Damage?

As a general rule, even the most basic insurance policies will cover water damage within the home if it is determined that the cause was sudden. For instance, damage from certain weather events such as heavy rain or windstorms is usually covered. If there was a fire in your home and you sustain damage from the water that is used by the fire department to extinguish it, then you are probably covered.

When Does Homeowners Insurance Not Cover Water Damage?

If water damage is deemed to be caused by negligence on your part, then your insurance provider will probably not shoulder the cost to do any repairs. If the damage does not occur at a moment’s notice, such as with a poorly maintained plumbing system that slowly develops a leak or burst pipe, then it is safe to assume that you will not be receiving a check from your insurance company.

Floods, no matter how it originates, are also not covered by basic homeowners insurance policies. Water that overflows from sewage drains or damage as a result of poorly constructed or improperly maintained plumbing systems will also be considered neglect by your insurer and will definitely not be covered.

Whether you have recently suffered from a flood or simply want to get rid of ugly water stains from a leak, then turn to professional home restoration company Falcon Nest. We are one of the most trusted restoration companies in the Dallas-Forth Worth area. For all your restoration needs, feel free to give us a call at (817) 419-3420 or fill out our contact form to speak to one of our experts today.

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