3 FAQs About Homeowner’s Insurance and Water Damage

4/19/2022 (Permalink)

3 Commonly Asked Questions About Homeowners Insurance And Water Damage

There has been a lot of water lately in Washington, UT. This has brought up a lot of questions about insurance. Most people want to know if their policy will cover a flood, burst pipe, or other issues. If it is not, they could be spending a lot of money to fix broken pipe fittings and other parts, clean up water, and replace their personal belongings. Here are some of the most frequently asked questions and their answers.

1. Does Insurance Cover Burst Pipes?

Homeowner's insurance does cover the damage from a flood caused by a burst pipe. However, this is only true if the pipe burst suddenly due to unforeseen circumstances. For instance, if an appliance breaks and water comes gushing into your kitchen, this will be covered. The insurance will pay for you to hire water remediation professionals and replace your damaged items in situations like this. However, if the pipe bursts due to poor maintenance, you will probably not receive any funds.

2. Are Frozen Pipes Covered?

Your insurance will only cover frozen pipes if you have taken reasonable steps to prevent freezing. This is because each situation is unique. Plus, there is room for interpretation in this statement. Your insurance company will send out an adjuster to determine if you are eligible. They will look at the source and determine if the damage could have been prevented. That means that any insulation or preventative measures you provide for your plumbing will work in your favor.

3. What Happens When There Is Flooding in a Home?

Damage caused by excessive groundwater or storms is generally not covered. In these cases, you would need a separate flood insurance policy to pay for the damage.

Your insurance coverage can have a lot of limitations when it comes to water damage. To properly protect yourself, you need to know what your policy covers and take any measures to increase your chances of receiving funds.