Yes, insurance coverage for hidden water damage can vary depending on the specific policy and circumstances. In general, insurance policies may cover hidden water damage if it is a result of a covered peril, such as a burst pipe within a wall or a hidden plumbing leak. However, it’s important to note that each insurance policy is different, and coverage may vary.
It’s worth mentioning that some insurance policies may exclude coverage for certain types of hidden water damage, such as long-term leaks or gradual damage. These exclusions are typically listed in the policy’s terms and conditions.
Avoiding Preferred Contractors and Emergency Services
Try not to use contractors recommended by the insurance company for water mitigation or emergency services. These contractors often prioritize the interests of the insurance company over yours. Incomplete work or efforts to minimize expenses can lead to long-term problems such as mold growth. Instead, hire your own water mitigation company.
Most times, homeowners insurance covers water damage like:
- Burst or broken pipes
- Water overflowing from a broken appliance, like a dishwasher
- Quick leaks in pipes or roofs
- Mold (if it’s hard to see and caused by covered water damage)
- Rain or snow blown by the wind
- Water from putting out a fire in your house
But, it doesn’t cover things like:
- Water seeping into your home from the ground
- Sewer backups
- Not taking care of your home
- Fixing the thing that caused the water damage (like leaky pipes)
Now, let’s answer some common questions about homeowners insurance and water damage:
- Does it cover leaks in walls? Yes, if the leak happens suddenly and you didn’t know about it.
- Does it cover water damage from a broken pipe? Yes, as long as the pipe breaks suddenly.
- Does it cover ceiling damage? Yes, if the damage is caused by a sudden leak or covered event.
- Does it cover water damage from a sump pump failure? No, but you can add extra coverage for this.
- Does it cover water damage from leaking windows? Yes, if the leak is sudden and caused by a covered event.
On average, people get around $12,000 from their insurance when they have water damage.
To make sure you’re covered for water damage, you can add extra things to your insurance policy, like:
- Flood insurance
- Water backup coverage (for sewer backups or broken sump pumps)
- Service line coverage (for fixing damaged utility lines under your property)
- Mold damage rider (to increase your coverage for mold damage)
If you have water damage, you should tell your insurance company quickly. Take pictures of the damage, move your things away from the water, and make temporary repairs if needed. Keep receipts for any costs you have while fixing the problem, as your insurance may cover those too.
To avoid water damage, check your home’s plumbing, appliances, roof, windows, and doors. Keep your gutters clean, and store your things in waterproof containers.
Choose Water Mitigation Or Restoration Company?
Selecting a reputable water mitigation company is vital for a successful claim after visible damage is fixed. Water mitigation’s primary focus is to prevent further damage in places you can’t see. Expert cautions viewers to carefully review the contracts and recommends avoiding upfront payment of the deductible.
A trustworthy water mitigation companies have the ability to bill the insurance company directly, eliminating the need for the insured party to cover the deductible out of pocket. Additionally, don’t hire companies that include clauses in their contracts, demanding payment if the insurance company fails to settle the claim within a specified timeframe. To safeguard one’s interests, it is imperative to thoroughly review the contract and ensure the absence of such clauses.