Knowing What Your Insurance Covers Pertaining to Water Damage

7/1/2020 (Permalink)

Water damage due to washer machine over flowing.

It is very important to read your policy to find exactly what your insurance company provides when it comes to water damage on your property. Meeting with your agent can clear up the fine print, pertaining to water damage coverage what coverages your policy affords.

We are finding that water damage that is sudden and accidental is covered. Items that could be prevented by maintenance or are prolonged due to the initial cause of loss like mold are not covered.

We have found that you can purchase additional coverages for mold, for water and backup coverage for outside pipes, that there are maintenance policies available for you to purchase for your home electronics, hot water tank and major home appliances etc. as these are not considered sudden and accidental.

Flood and landslides/ land movement are typically not covered in polices either. To make sure you have adequate coverage for possible water damage, we suggest checking your insurance coverages.