Homeowners Insurance Water Damage Claims

When insurance doesn t cover water damage. Most homeowners insurance policies help cover water damage if the cause is sudden and accidental. This comes as no surprise considering the fact that water damage is the most common type of property damage to occur.

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According to the statistics the most common type of homeowners insurance claims are insurance claims for water damage.

Homeowners insurance water damage claims. Water damage is one of the most common causes of home insurance claims according to the insurance services office iso water damage claims are the second largest frequent insurance claim following wind and hail damage. Homeowners insurance protects your home and personal property against destructive weather theft and elemental perils like fire or ice. According to the insurance information institute homeowners insurance may help pay for repairs if for instance your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Claims due to water damage impacts 1 in 50 homeowners each year.

Examples of water damage homeowners insurance won t cover. Most insurance companies will deny your claim if the water damage was a result of gradual damage negligence or external water sources entering your property. Water damage is one of the most common reasons people make claims on their home insurance. Burst pipes leaky appliances and flooded basements often lead people to discover the details of their home insurance policies.

For most perils your coverage is fairly easy to understand and doesn t require much reading in between the lines but water damage to your home is a different story.