Sudden Water Damage Covered in Home Insurance
Most insurance policies are specific when it comes to sudden water damage. Many people become surprised when they go to file a claim and find that it actually isn’t covered in their policy.
In a home policy, sudden water damage is defined as an accidental and sudden discharge of water. Take for instance when you’re heading out for a vacation and you go to the bathroom before the long trip. Unfortunately, during the last flush of the toilet, the handle got stuck and the toilet kept running for days while you’re out. When you got back, you found that your house is ruined by water damage. This instance can be considered accidental and is probably covered under your home insurance.
Sudden Water Damage Not Covered in Home Insurance
A sudden water damage that isn’t covered by home insurance is flood. That is a common misconception many have about sudden water damage. But flood is not covered under home insurance and one must buy a separate policy to cover such event.
Another is a leaking pipe. Many associate a leaking pipe to sudden water damage but it’s really a maintenance issue. In a home policy, any water damage due to leaking water over time is not covered.
The best thing you can do when it comes to water damage is to talk to your agent and insurer. Water damage coverage may be specific to each insurer and can be confusing to you. The last thing you’d want to find out is your claim being denied.
Robert Nichols Insurance Agency is an independent insurance agency that specializes in providing home insurance products to the residents in Florida. We can help you tailor your policy that will best suit your needs. Call us at (561) 406-6153 or visit us today. You may get a free online quote by clicking here.