Will My Insurance Pay For Water Damage in My Home?
Your home insurance company will typically cover your water damage if it’s considered sudden and internal water damage.For example, a burst pipe, leaking appliances or plumbing problems would all be covered by your insurance.
- Will My Insurance Pay For Water Damage in My Home?
- What To Do When Filing Your Claim
- What NOT To Do When Filing Your Claim
- How To File A Water Damage Insurance Claim
- Who To Hire To Repair Your Water Damage
- How To Avoid Having Your Claim Denied
What Insurance Typically Covers
If the source of the leak or flooding is inside your home, there’s a great chance it will be covered and protected by your water damage insurance.
- Roof leaks
- Burst pipes
- Sewage overflows
- Toilet overflows
- Leaking plumbing
- Slab leaks
- Hot water heater breaks
- and more
Reach out to a certified water restoration professional or your insurance company to verify the specifics.
What It Doesn’t Cover
There are a couple of things that can disqualify you from having your water or flood damage covered by your claim.”Gradual damage” is a term used to represent issues that weren’t sudden or unexpected.For example, if you neglected to maintain or upkeep a toilet that overflowed in your home, there’s a chance your insurance will not cover the full amount of your water damage.These include:
- Damage from unsolved maintenance issues – old or neglected plumbing can cause leaks that cause water damage and mold, that would be considered “neglect” by your insurer and won’t be covered.
- Flooding – rain water or water that floods your home isn’t covered in standard homeowners insurance. This includes, but isn’t limited to – rainwater, surging rivers, and drenched ground.
- Sewage water or leaks – most policies will not typically cover water leaking into your home from an outside water leak or sewage overflow.
What To Do When Filing Your Claim
- Prevent additional damage
- Record proof of water damage
- Review your insurance policy
What NOT To Do When Filing Your Claim
- Throw stuff away
- Make permanent repairs before contacting a professional
- Be pressured to use insurance vendors
How To File A Water Damage Insurance Claim
Call your insurance company and ask the following questions:
- What is the deadline to file a claim?
- Will the claim exceed the deductible? If the water damage loss is lower than the deductible, then you’ll probably want to pay out of pocket.
If you choose to file a claim, follow these steps:
- Fill out the claim forms the insurance company sends over and return them ASAP.
- Arrange for an insurance adjuster to come out to your property to inspect the damage.
- Be prepared for the insurance adjusters arrival. Show them where the damage occurred, what was affected, and provided him with an itemized list of your losses so you can speed up the process.
How The Claims Process Works
Water or fire damage usually only happens to a person once in their lifetime, so the claim process can be a new and confusing situation. Our experts will guide you through the process and work side-by-side with the adjuster to get you the best compensation for your losses.
Who To Hire To Repair Your Water Damage
Depending on your insurance, you might even qualify for property improvement upgrades. Here’s how we handle the insurance process:
- We have a long-term relationship with insurance companies and we’ll represent your best interests.
- We know how to properly document evidence and photograph proof of damage and we’ll send it the insurance company for you.
- We’ll negotiate with your insurance company for the repairs, replacements, and restoration services you need.
- We’ll work with them to see if you qualify for property upgrades.
How To Avoid Having Your Claim Denied
- File your claim on time.
- Provide sufficient documentation/evidence of the damage to prove your claim (we can help you do this).
- Every policy lists exclusions, so double check to make sure the loss is covered.
- Take steps to prevent further loss and mitigate the damage, but DON’T make permanent repairs yet.
Call Us, We’ll Answer Your Questions About Water Damage Insurance
We’ll answer any questions you have and provide you with a free, no-obligation estimate.