Water damage can happen when you least expect it.
If your washing machine leaks or a pipe bursts in your home,
do you know if insurance would cover it?
If the damage is sudden and accidental,
your homeowners insurance may provide coverage for the
water damage in those situations.
For example, you'd probably be protected if an upstairs
pipe bursts, soaking the ceiling below.
Or if the washing machine water supply hose fails,
damaging the floor.
In cases like these, your homeowners insurance policy
would likely help cover the cost of repairing your
damaged ceiling or flooring.
However, be aware that most policies won't cover
the source of the damage.
That means your insurance probably wouldn't pay to
repair or replace your washing machine, for example.
What if the damage results from an unresolved maintenance issue
such as continuous leaking near a faucet?
In that type of situation, homeowners insurance usually
won't cover the resulting damage.
Your standard homeowners insurance probably won't cover
water backup from an outside sewer or drain either.
However, you may be able to add optional water backup
coverage to your policy.
Here's another important thing to keep in mind:
Flood damage is not covered by a standard homeowners policy.
However, you may be able to purchase flood insurance
through the National Flood Insurance Program.
Remember, typically your insurance will pay for covered
damages if they exceed your deductible.
And your insurance will only pay for covered claims up to
the limit for each type of coverage.
Your limit is the maximum amount your insurance will pay
toward a covered claim.
If you have questions or want to review your existing coverage,
your insurance agent can help.
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