Rain, Snow, Sleet Hail

Rain, Snow, Sleet, Hail…WATER in any form… 

Can be a BIG problem for your home! 

 

Many people believe homeowner insurance covers water damage, and in some cases it may.

 Flood is excluded under homeowners insurance, however, coverage is available through separate Flood insurance, but in some cases may not address the issue in your home.  Flood insurance has a number of exclusions and requirements for coverage to apply to a specific home or area of that home, so ask questions before you purchase flood insurance!

Not all water that comes into your home is actually Flood though.  In many cases, water can back up through sewers, sumps & drains into your home and that coverage can be added to (or may already be included in) your homeowners insurance.   Water that seeps through the walls probably won’t be insured by homeowner insurance, nor will broken or clogged sewer or water lines in your yard.  Many utility companies offer coverage for the water & sewer lines in your front yard and since many of us live in older homes & older neighborhoods, it’s a good idea to consider the coverage.

Finally, the good news is that water that damages your home from the inside may be covered by homeowner insurance.  Normal wear and tear excludes an old or worn out pipe, but your homeowner policy can cover the ensuing damage (for example:  an old pipe in bathroom causes dining room ceiling to collapse). 

Bottom Line:  Call your agent (hopefully that’s ME) and review your coverage, BEFORE water causes a BIG problem.