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A water event can cause serious damage to a home if not caught right away. Floods, leaks, rain, or a busted pipe can create thousands of dollars in damage in less than an hour. Luckily, most homeowners insurance policies cover many water events, but not all. Do you know what your plan covers?
We advise a yearly review of your homeowners insurance policy to see what will be covered if water damage occurs in your home. Not all homeowners insurance policies are the same, so it is important to know exactly what benefits you’ll receive versus just assuming a problem will be covered.
Most homeowners insurance covers sudden and internal water damage. It means the water damage comes from accidental tearing, cracking, burning, or bulging of steam, heating, AC, or fire protection systems. Other examples include damage caused by heavy rain, snowstorms, and vandalism. External instances of water damage covered by homeowners insurance include heavy rain, snowstorm, water from extinguishing a fire, and vandalism. With plumbing problems, insurance will cover burst pipes, overflowing toilets, and sinkholes that cause water damage to your home’s structure, but it won’t cover gradual leaks that the homeowner is responsible for fixing themselves.
Separate from homeowners insurance is flood insurance. Flood insurance will cover water damage from heavy rain, melting snow, flash flooding, and rising rivers or lakes, but is a separate policy a homeowner will have to purchase.
While homeowners insurance seems to cover the common causes of severe water damage in your home, it will not cover all instances.
As mentioned above, if water damage occurs due to an unresolved maintenance issue, you will end up footing the bill instead of insurance. Other unique instances like flooding, sewer backups, and groundwater flooding are not covered by homeowners insurance, but may be added with additional policies.
If your home is impacted by water damage, call us today to learn how we can help fix the issue. We work directly with many insurance companies and can take the stress off of your shoulders when it comes to coordinating between both companies.
Our team offers services that have helped thousands of residential customers recover from damages – both big or small!
Most home insurance policies cover sudden and accidental water damage from burst pipes. Check your policy details for specific coverage.
Yes, a broken water heater can lead to a high electric bill. If it's not heating water efficiently, a broken water heater may consume more energy and increase your utility bill.
Yes, if you have a broken water heater, it can potentially lead to carbon monoxide leaks. If you suspect a carbon monoxide leak, call us for an emergency response.
While minor leaks can be fixed with DIY methods, it's advisable to consult a professional restoration company, like Accutech Restoration & Remodeling, for significant damage to ensure proper repair and prevent future issues.
Yes, mold can grow under tiles if there is constant moisture or water damage.
Yes, water can seep through grout lines if they are cracked or improperly sealed. You may contact us for help with water leaks and bathroom floor water damage.
Yes, we can remove mold from carpets affected by water damage. We use specialized cleaning techniques to prevent health risks.
Homeowners' insurance typically covers water damage caused by a water heater leak or broken water heater, but it may not cover the cost of repairing or replacing the heater itself. You may contact us for help navigating your insurance claim.
We recommend clearing the area around the damaged drywall to give our technicians easy access.
Preventing flood damage involves proactive measures such as maintaining gutters, ensuring proper drainage around your property, and considering flood-resistant building materials. Accutech Restoration & Remodeling offers tips and resources to help you safeguard your home against future flooding incidents.
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