Does Homeowners Insurance Cover Water Damage?

The last thing you would want to experience as a homeowner is extreme water damage. It is the most common and costliest catastrophe that your home can experience. Said catastrophe would likely leave you wondering if your homeowner’s insurance covers water damage. Standard insurance policies typically cover water damage. Unfortunately, not all instances of water damage are covered. 

When Water Damage is Covered

Homeowner’s insurance covers sudden and accidental plumbing issues. For example, if your kitchen faucet pipe randomly bursts and damages your walls and floors, in most cases, your Homeowners insurance will also cover the cost of repairs that exceed your deductible.

When Water Damage is not Covered

Homeowner’s insurance does not cover negligent or inadequate maintenance. If damage occurs after you fail to fix a toilet that has been leaking for a month, then homeowners insurance will not likely pay for repairs. 

How You Can Protect Your Home from Water Damage?

Regardless of whether homeowners insurance covers the water damage incident or not, there are preventative measures that homeowners can use to protect your home and save yourself the headache. These measures include inspecting showers and tubs to ensure they are appropriately sealed, inspecting appliance hoses and faucets, and knowing the location of the main water valve in your home.

What if My Claim is Denied By My Insurance Provider?  

There are circumstances where your insurance claim has been denied due to neglect and/or the cause of water damage. PuroClean of Wolf Creek is willing to work with you to resolve your issues through our self-pay program.   Our experts are specially trained at PuroClean of Wolf Creek to mitigate water damage that your home may experience.  Contact us today for a quote.