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What You Need to Know About Water Damage and Home Owners Insurance Coverage

by Will Messmer - June 14th, 2013.
Filed under: Home owners insurance.

Water damage is one of the most common reasons people make a claim on their home owners insurance, yet in many cases it can also be preventable. Some of the ways in which water damage can reek havoc include: a leaky roof, out of date plumbing, broken hoses to washer and other appliances, clogged gutters, and overgrown roots that invade sewer lines. As you can see, many of these issues are entirely preventable with routine maintenance. While it’s nice to know you have home owners insurance coverage , the ideal is to never have to use it.

Depending on the type of damage you have, there are many ways in which water damage can rear its head. It could come in the form of a burst water man which soaks your belongings, molding invading (which may not be covered by your home owners policy), rotting wood which can cause structural damage and invite pests – including termites, cracked foundation that threatens the integrity of your home, or a clogged or broken sewer line. So you can see that even though you may have coverage after the fact, these are issues better dealt with before they turn into a serious problem. A little maintenance can go a long way.

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