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Does Homeowners Insurance Cover Water Damage?
Does Homeowners Insurance Cover Water Damage?

- A humidifier tube fitting breaks unexpectedly and water floods your basement
- High winds uproot a tree which then falls onto your roofing system and rain enters your home
- Frozen pipes burst, damaging drywall and saturating wall to wall carpeting
- Ice dams permeate water into your home and mold damages the ceiling, insulation and wallboard listed below

We understand that your homeonwers insurance plays a key role when it pertains to protecting whatever you've worked so hard for. For genuine peace of mind, you require to understand how your protection works, and where gaps in coverage may exist. Let's have a look at how your homeonwers policy protects you from water damage and learn about additional security choices to help you customize your coverage:

Table of Contents:

What Parts of Your Homeowners Policy Cover Water Damage?

FAQs: Water Damage Insurance & Claims

How to Protect Your Home From Water Damage

Additional Water Damage Insurance Coverages

Does Homeowners Insurance Cover Flooding?

Most property owners policies do not cover flooding - but American Family Insurance offers coverage for floods through the National Flood Insurance Program (NFIP) to help safeguard your home and your prized personal belongings.

If your home is located in a floodplain, or near an area that floods frequently, this protection can truly assist safeguard your savings. Be sure to connect to your agent to find out more about getting NFIP protection.

Will home insurance coverage cover water damage?

The short response: it depends. Sure, your basic property owners insurance policy covers some costs associated with water damage, but not all kinds of water damage are covered. Persistent leakages, for instance, that damage your home with time, and upkeep problems that lead to water leaking into subflooring will likely not be covered.

Additional coverages can really help

Let's clear up the confusion and make sure that you comprehend how your home insurance coverage works. Your base policy does a great job of safeguarding you from water damage risks in basic. But you'll find - with the assistance of some extra protections - you can better safeguard yourself from expenses connected to water damage.

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What Type of Water Damage Is Covered by Homeowners Insurance?

Suppose you get up to discover your basement flooded due to a defective washing device. Your lovely, freshly refurbished wood flooring is sopping damp and harmed beyond repair work. Your first thought? Will water restoration companies near me for this mess?

Sudden and accidental water damage is normally covered

The bright side is that under many scenarios, a basic house insurance plan covers appliance or plumbing related water damage that occurs due to an unforeseen event that comes from your house. This indicates you'll have the ability to file a claim if the source of the issue hasn't been taking place over a prolonged time period.

Maintenance-related water damage won't be covered

Your property owners insurance coverage will not cover a slowly leaking pipeline that slowly leaks water onto drywall for several weeks before being found. But it does cover a pipeline that bursts and rapidly floods the bathroom. In either case, repair work to pipes or home appliances that stopped working due to regular wear and tear aren't covered - that's considered regular maintenance.

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