Water Damage to Your Home: What Will Your Home Insurance Policy Cover?

insurance policyWater damage is one of the most common homeowner’s insurance policy claims. It isn’t that homes are accident-prone, it is that there are a lot of factors that make up the sewage system, plumbing, foundation, and roof of a house. Whether or not your insurance policy will cover your claim depends on the type of damage your home has and whether the issue has been corrected.

Keep in mind that every home owner’s insurance policy is a little different. Flood damage and sewage backup issues are common, while storm-related water damage is more complicated. To determine if you are eligible for coverage, you should speak with an insurance representative directly.

What Isn’t Covered by Insurance?

Many insurance policies do not cover damage caused by issues over time. This is usually because early warning signs are detected and neglected by the homeowner. For example, a consistent leak in the roof that gets bigger and bigger over time may not get the same coverage as a roof that collapses one day.

If you notice a small issue that could turn into a bigger problem, preventative maintenance is a must. Showing that you did everything in your power to prevent the incident can go a long way when trying to make a claim.

What to Do if Coverage is Denied

Not every insurance policy will be applicable to your situation. When making a claim, save all paperwork in a safe, organized location.  QuoteWizard recommends that you take as many photos as possible of the damage. Take high quality photos right away to prove the extent and nature of the damage. The more angles and details you can take, the better chance you will receive the correct claim payout in a timely manner. You may also need to make the repairs or hire a water restoration service before your policy reimburses you. Contact your insurance provider directly and ask what steps you need to take for your coverage to be approved.

Navigating your insurance policy can be difficult. If you are having trouble, it is always best to speak with an expert. A water restoration service will be able to provide you with a repair estimate and guide you through the claim process.

Don’t be afraid to ask for help. For more information, please contact our team of dedicated specialists today.