What is Covered by Homeowner's Insurance for Water Damage - Southlake, TX

5/8/2018 (Permalink)

So, you’ve had something happen that resulted in water damage to your home. Your first thought may be “What does my insurance cover?” Water damage is a tricky subject when dealing with the insurance. You may already know that floods aren’t covered by homeowner’s insurance, but you may not know that water damage coverage comes in many different shapes and sizes.

All insurance is different, and what may be covered on one person’s policy, may not be covered on the other. Talk to your insurance agent to see exactly what is or isn’t covered by your policy. Here’s a breakdown of what is and what may not be covered by your policy.

Appliances – Appliances may be covered, though it depends on the type of damage that occurred. If it’s a sudden and accidental loss such as a hose that connects to your fridge that breaks and floods your kitchen this could be covered. However, if it’s a gradual leak that hasn’t been addressed it won’t be covered by insurance. That’s considered failure to maintain your appliances.  Also, be aware that your insurance will not replace the appliance itself – replacement appliances will have to come out of your own pocket.

Pipes – Just like appliances, if a pipe breaks, and it’s an unexpected loss, then your insurance should cover the damage to your floors and walls. However, also like appliances, if it’s a gradual and slow leak (say under a sink) that has been neglected will not be covered because it could have been prevented.

Roof – Roofs are tricky and are often on a case by case basis. While a long-term leak caused by a poorly maintained roof may not be covered, if a tree falls on your roof or high winds blow shingles loose and cause leaks, then the inside of your home will be covered – but not the roof itself. For better understanding about what your policy covers when it comes to roofs, it’s better to talk to your agent.

Backed up drain or sewer line – No. Unless you add on extra coverage, you’re not covered if something gets backed up.

Seepage – Unfortunately, seepage isn’t covered by insurance because it is considered a maintenance issue.

For all your water damage needs call SERVPRO of Grapevine/NE Tarrant County 24/7 at 817.595.2506!