Insurance Scenarios For Water Damage

What is covered under water damage in home owner's insurance policy?

Water damage can be quite disastrous. If you have a home insurance policy, it's essential to know what is covered in the policy for which claim payments would be made on account of water damage to your property. Water damage problems include leaking pipes, bath tubs and sinks, malfunctioning washing machine & dishwashers, flooded basements due to a back flush of the drains or choked drains and sewers. Usually the water damage property may be covered by the insurance company, but the thing that may be causing the water damage wouldn't be included.

But if there is an unseen problem, such as a frozen pipe that has led to the water damage, the insurer may pay for the repairs to your home or furnishings and even pay for the repair of the pipe. Now when the temperatures have really dropped to -10 C, and you are still staying in the house with the heating and yet the pipe has burst, the insurance company will pay for the water damage and get the pipe fixed. But had the house been unoccupied and without heating, the insurance company may not consent to paying the water damage charges. They feel that the homeowner has been negligent and shouldn't be reimbursed.

If the water has leaked from the backyard pool on to your beautiful garden, lawns and basement, causing water damage, the basement is covered but the lawn and the garden isn't covered. But if you have a garden that is prize winning with a number of exotic plants, then you should talk to your insurance advisor for getting insurance on the basis of water damage.

Water damage caused by sewers, drains and seepage from the ground

Water damage caused by sewers and drains isn't usually covered in the standard policies. Special endorsement need to be made in the insurance policy for water damage arising out of sewer and drain blockages causing water damage to your property.

If water damage to the property is caused through seepage from the ground, then you won't get anything from the insurance policy. This is because, seepage is considered to be a maintenance issue and not a sudden accident that caused the water damage.

Water damage by rainstorms

If there has been a heavy rainstorm and the roof of your house has leaked. This has caused extensive water damage to your home and furnishing. The insurance take on this somewhat complicated. The homeowner wouldn't be compensated for the roof but would be compensated for the water damage caused to the furnishing and the furniture in the house.

Water damage caused by leaking bath tub and floods

One of the really quirky things is that insurance covers for the water damage caused by leaking or overflowing bathtub (even if you forgot or intentionally turned on the faucet). If there is a flood caused due to overflowing river or breach in dam, the water damage to the property isn't covered by the home owner's insurance policy. For flood coverage, separate flood insurance should be purchased.

About the Author

Barney Ruch is a house issue disaster writer for Danbury, Springdale CT sewer backup clean up and Southport, CT sewer backup

Author Profile: barneyru

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