What's Covered By Insurance?

4/30/2019 (Permalink)

When you’re dealing with water damage, do you know what and what isn’t covered by insurance? Here’s a quick guide to what may or may not be covered by your insurance.

Drain or sewer line?  
No. This isn’t covered by insurance unless you’ve got extra coverage. You maybe dealing with the city on this one.

Roofing?
This one is both a yes and no answer. It’s done case by case and can be pretty confusing. If it’s a small and gradual leak, then it probably won’t be covered but if it’s something like hail damage that caused huge hole in your roof will be covered.

Pipes?
Also on a case by case situation, if your pipe suddenly bursts then your insurance will most likely be covered by your insurance. If it’s a slow continuous leak – most likely not. That’s not covered because it was a failure to maintain.

Appliances?
Sorta. Again, this falls under the failure to maintain umbrella. If it’s a maintenance issue you’ve known about and haven’t done anything to fix it won’t be covered if it’s a sudden and unexpected incident, then it’s more likely to be covered. Be wary though, the appliance itself will most likely not be covered and that’ll have to come out of your pocket.

Long story short, if it’s a maintenance issue that hasn’t been addressed, it will NOT be covered. If it’s a sudden event it maybe. It’s best to check with your insurance provider if you’re unsure.

For all your water clean up needs, give us a call today at 817.595.2506!