What Type Of Water Damage Does My Home Insurance Policy Cover Me For?

By Author: Foster Carr
Total Articles: 30
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Water damage can affect your home in a number of unpleasant, and sometimes expensive ways. You might think that your home insurance would cover you in the event of any water damage incident, but in truth there are only certain circumstances in which an insurer will pay out on a water damages claim.

In this article, we shall go over some of the circumstances in which your property could become damaged by water, and which of these you can expect the insurance company to pay for.

Unless your home owners insurance policy specifically states that it will pay out in the event of damage caused by a flood, then the chances are that they will not, as flood damage is usually not covered as standard as part of most insurance policies.

However, if you have sustained water damage due to a pipe leaking in your house, causing damage over a period of time, then you will most likely not be covered, as it is your duty to ensure that all the plumbing and fixtures in your home are maintained. If you are unsure as to what exactly is covered by your insurance policy, check the exact wording of your policy documents.

It ...
... is important to take steps to remedy any water damage to your property as soon as you notice it. Even if a leak is not serious, it can cause mould to develop, which can cause further property damage and cause respiratory ailments such as asthma, bronchitis, and sinusitis.

If, however, the mould was caused by damage sustained during a storm, or another covered peril, then you may be able to claim for it as long as you have not left it too long.

If you discover water damage only after it has been developing for a long time, you will most likely not be covered by your insurer, who assume a certain level of vigilance on the part of their customers.

If mould has built up, it is important to get it cleaned by trained professionals. Cleaning up mould in the wrong way can lead to the spreading of the mould spores, which can cause further damage to your property and is hazardous to the health of everyone who lives in the property.

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