Water damage is one of the most standard causes of property insurance cases, it’s essentially the 2nd most frequent damage claim. Water damage is 2nd to wind and hail storm damage. With that in mind residents may ask does insurance cover all types of water damage? Moreover they could have many different questions concerning what is covered in their insurance so they’re protected in any kind of future water emergencies
- Sudden or Accidental Discharge from a blockage in the plumbing
- Sewer Backup or Water Back Up
- Storm Related Water Damage
- Interior Water Damage from melting snow or ice through the roof
- Accidental discharge of water due to freezing pipes
What Types of Water Damages are Covered by Residential Property Insurance?
There are a few common questions people ask when it concerns water damages and what their home, condo or business owners insurance coverage will cover. On this page are the most typically asked questions:
1. Is water leak covered by insurance coverage?
2. Is a leaking toilet covered by insurance coverage?
3. Is water damages from a leaking roof covered by insurance coverage?
In order to determine coverage the answer is the same for all of these occurrences – it depends on the source of the damages, the type of policy you have and if the damages was an accident, continuous or unexpected. Know that your case might be denied if the event occurred gradually over time, such problems are not typically covered even if your policy incorporates water damages coverages.
How is Continuous Damage Defined?
When problems happen gradually over the course of time these are thought of continuous problems. Think about it like paint chipping gradually off a wall, it begins with a small area and in due course more and more is slowly revealed to become a larger space and a larger issue. This is what continuous damages in a home is like. Another aspect to consider is repeated and sustained damages over time along with continuous damages. If you find yourself saying the declaration “Every time it rains, I start to see water leaks” Then you more than likely do not have damages that is eligible for coverage from your insurance protection. And the main point is asking yourself, is this the very first time I noticed the damage? Or has it been occurring repeatedly in the past?
Continuous Water Damage in Your Property
Essentially we do not see all of the hidden areas of our houses, we just see the exterior surfaces, the decorations and the furnishings. Truly our houses are far more than what we can see, they have lots of pipes, circuitry, air flow systems, etc. Under the surface your home is working hard functioning with multiple tasks.
It can be convenient to ignore regular repair and maintenance considering that a lot of what makes your crowning achievement is out of sight, out of mind. Without this regular maintenance nonetheless there could be issues occurring without your knowing it. Typically we aren’t familiar with these problems up until there is a structural problem or some type of physical proof. This is when the majority of people attempt to make a claim.
When the damages isn’t unexpected or unintended the claim is typically denied, and regrettably. That’s why regular maintenance and inspections into these hidden areas is so vital. , if you can stop it prior to it becomes a larger issue typically your expense will not be as big either.
Getting public adjuster associated with your claim early can help you get paid fairly and avoid claim submission mistakes we frequently see in catastrophic scenarios. Do not wait for your claim to be underpaid or denied. A public insurance adjuster is knowledgeable to represent your benefit, document damages, file and negotiate your claim with the insurance company. Call us for a no obligation claim evaluation (317) 342-7540