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10 Feb 2022

What Type of Water Damage is Covered by Homeowners Insurance?

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Most water-related emergencies happen at the least expected time, causing a lot of uncertainty and fear when your home is suddenly flooded. It is important to ensure you know what your insurance covers to ensure the mess is sorted out as soon as possible. When dealing with water damage, time is of the essence, or you risk incurring significant damage to your property beyond what homeowners’ insurance covers. As the leading water damage restoration company, The Remediation Team works closely with your insurance provider to ensure your indoor space is restored to its former state.

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If you are not informed about how various insurance policies cover water damage in your home, The Remediation Team can help you protect yourself during such an emergency. Different coverage providers have varying policies regarding water damage, and that’s why a reputable and reliable water damage restoration company can help you cut down restoration costs by working with your insurance company. Here are some of the questions you should ask yourself to ensure you fully understand insurance policies on water damage.

Does Homeowners Insurance Cover Water Damage?

Homeowners insurance policies usually cover water damage due to an accident or unexpected damage like a pipe burst. However, when gradual water damage happens over time, most homeowners’ insurance policies will not cover the damage. The Remediation Team can assess the cause and severity of the damage to determine if your insurance will cover all the damage or part of it.

How Does Homeowners Insurance Cover Water Damage?

There are usually two types of coverage depending on the damage: Dwelling coverage and personal property coverage. Dwelling coverage pays for structural damage like covered perils, damaged walls, and many more. Suppose you suddenly experience a damaged water line on your property. In that case, The Remediation Team can assess the extent of damage to your home and any other nearby structures to determine if this is the ideal coverage for you.

On the other hand, personal property coverage pays for damage incurred on insured valuables, which helps regain sentimental and precious items. Some of the items covered by this policy include computers, furniture, and many other valuable items. It is important to note that a small deductible is required to activate your coverage, and there are limits to every coverage. That’s why it’s important to work with a water damage restoration company to ensure you get all the pertinent information about your coverage.

When is Water Damage Not Covered by Homeowners Insurance?

Water damage coverage depends on the cause of the damages, and your homeowners’ policy does not cover some. Some of the instances where your homeowners’ policy is not applicable include faulty water sources, poor maintenance, and natural catastrophes like a storm surge or a flood. The Remediation Team can assess the affected area and determine the cause of the damage before claiming for payment by your insurance company. Contact us today and learn more about the type of homeowners insurance policy that’s suited for you.

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