Water damage is one of the most common home insurance claims. Determining whether your home is covered for water damage usually depends on the policy type, damage source, and type of damage.
At Super Service Plumbing, our contractors can find issues with your plumbing system early, saving you from the time, energy, and stress of needing emergency service. Our dedicated team offers emergency plumbing services, and our Saturday rates are the same as weekdays. When you need a plumber, we’re here to help.
What will your home insurance cover?
Standard home insurance policies cover damage when it is sudden and accidental, meaning it happens without warning. In most cases, this covers:
- Appliance overflows
- Burst pipes
- Water damage after a fire
- Water damage from a roof leak
- Water damage from a storm
If this happens, be sure to take pictures and document the damage for your insurance agent.
What type of water damage is not covered?
Damage that happens due to wear and tear or gradually is excluded from most home insurance policies. Gradual damage includes water damage due to a lack of HVAC and plumbing maintenance.
Examples of gradual damage can include:
- Unmaintained broken, frozen, or corroded pipes
- Leaky toilets, faucets, and other fixtures leading to mold and mildew growth
- Roof leaks, not including ones caused by age, inadequate maintenance, infestations, rot, and deterioration.
It is important to note that floods, sewage backups, earthquakes, and foundation seepage usually require separate insurance policies.
Start saving on your water bills by talking to our Saint Helena plumbers on our water conservation history.