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Will water damage be covered by my homeowner’s insurance?

Frequently Asked Questions

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    It’s not pleasant to wake up to a flood in your basement caused by a broken water heater, especially when you discover your floor has been ruined. Is my homeowner’s insurance going to cover water damage? That’s one of the first concerns you’ll probably ask yourself.

    In this case, your ordinary homes insurance policy will cover the price of the damage, and an agent will assist you in starting the water damage insurance claim procedure. Not all sorts of water damage, however, are covered.

    Most conventional house insurance policies will cover water damage caused by a source inside your home, such as a burst pipe if it occurs suddenly or accidentally. If the water comes from outside your home, your basic policy will not cover it. However, flood insurance, which is a separate policy that can be a wise addition to your existing house coverage, can provide additional protection against flood-related damages.

    Water damage that isn’t covered by homeowner’s insurance:

    The source of the water that caused the damage determines whether your home’s insurance covers it. Here are three situations where your homeowner’s policy will not cover you:

    1. Maintenance issues that haven’t been addressed. Your homeowner’s insurance, for example, is unlikely to cover water damage caused by a broken sink that has been leaking for months.
    2. The real source of the water damage should be repaired or replaced. Your home insurance will not cover the costs of repairing or replacing your washing machine if it causes water damage to the floor of your laundry room. It will, however, usually cover the price of repairing your floors.
    3. Issues that arise as a result of a flood. Your home’s insurance policy will not cover flood damage, and you will need to purchase supplemental flood insurance.

    For more information call CPR24 Restoration at (416) 551-8287.