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A Look At Water Damage


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Plenty of things can go wrong in life that can result in causing water damage to your dwelling, and for those of you who are not aware, there are some very important things to understand or you could end up paying a lot of money that could have been covered under your homeowners policy. Talking to your insurance agent can help with this, but there is some very specific wordage that applies which could get your claim denied if you do not understand the difference in what an insurance company calls a "flood", and what they consider water damage, instead.

It is not a flood when your dishwasher overflows filling up your basement with knee deep water. It is water damage. In the dictionary of an insurance company, a flood is when some natural body of water overflows and fills up your home with unwanted water. You must understand the difference before you call to file a claim because if you say your dishwasher flooded you basement, you will probably be denied on the claim. Here we are going to consider some other situations that do not constitute a flood.

The outside temperatures drop to below freezing, this causes your pipes to burst, and the result ends up filling your basement with lots of water. If you did not leave the dwelling unoccupied, or without heat, there is a good chance that your homeowners policy might cover it.

You have a pool in your back yard. It somehow manages to ruin your yard and fills up the basement with water. You insurance might cover your personal belongings and the damage to the basement, but not your lawn unless it was done by what they call named perils. Check with your agent to find out the details.

Knowing what the difference is between the words flood and water damage allows you to know what questions you need to ask your insurance agent, and decide on what additional coverage you wish to buy so that you will not have to pay a whole lot of money out of your own bank account in the event you suffer a loss from this type of damage. Your agent can help you design an insurance program that will keep all your property insured.

Water starts leaking through your roof during a heavy thunder storm, both the roof and your furniture are damaged. In this situation, you have limited coverage. The roof repairs are consider maintenance and might not be covered, but the damage to your home and personal property might be covered. Talk to your insurance agent to make sure what is covered and if there are any special endorsements you can get that will provide that coverage.

Water seepage and overflow from nearby rivers or lakes is not covered under most insurance policies. However, you can buy flood insurance if your community is involved in the National Flood Insurance Program.

Now that you are informed of the difference between the word flood and what is considered to be water damage, you should schedule an appointment with your insurance agent to make sure your policies have the coverage you need. There is only so much we can do to predict the weather, and you never know when you could need insurance to pay for the water damage that you can keep a policy in effect to cover the expenses of water damage cleanup.
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