Does Full Coverage Cover Water Damage?

Water damage insurance is a type of protection against sudden and accidental damage. There are several types of water damage, flooding due to hurricanes or other natural disasters, busted pipes, sewer line backups, and leaks in roofs and water heaters. Water damage insurance claims are one of the most common types of property claims.

What type of water damage does your home insurance policy cover?

Gradual water damage is usually not included in home insurance coverage, so even though your policy cover water damage, if the reason for damage is not accidental or sudden, it might not be covered.

Examples of gradual damage include plumbing and pipes leaking over time causing damage to walls, ceilings or floors, tiles or shingles on the roof that shows signs of repair and mold or rust.

What types of water damage does a home insurance policy not cover?

1. Damage from unresolved maintenance issues; while the insurance will help cover the cost of replacing or repairing a damaged floor if your dishwasher suddenly breaks and starts leaking water, there will be no coverage if the damage results from an unresolved maintenance issue.

2. Replacing or repairing the source of water damage; most insurance policies will not cover the source of water damage. The policy will cover the cost of replacing or repairing the floor, but it won’t cover the cost of broken dishwasher or washing machine.

3. Water backup from an outside sewer or drain; you will not be covered, if water backs into your home through an outside sewer or drain.

How to avoid getting your water claim denied?

1. Keep records of repairs and professionals you have employed for the maintenance.

2. Make sure you know what your policy covers or excludes.

3. Conduct regular maintenance on your home. This will let you avoid large expenses in the future.

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