Water damage coverage depends on the situation and the source. If the damage is sudden, accidental and comes from inside your home, you're usually covered by a standard home insurance policy. However, if water damage is caused by external flooding or a careless repair, you won't have any coverage. It's important to understand what type of water damage is covered by your insurance policy.
Generally, most policies cover sudden and accidental water damage that originates from inside your home. This includes water damage caused by burst pipes, overflowing toilets, and malfunctioning appliances. However, if the water damage is due to external flooding or a careless repair, you won't have coverage. For example, if your basement floods due to heavy rains or a broken sump pump, you won't be covered by your home insurance policy.
Similarly, if you hire a contractor to repair a leaky pipe and they cause more damage in the process, you won't be covered for that either. If you live in an area prone to flooding or other natural disasters, it's important to consider purchasing additional coverage. Flood insurance can help protect your home from water damage caused by external flooding. It's important to note that flood insurance is not included in standard home insurance policies and must be purchased separately.
It's also important to keep in mind that some types of water damage are not covered by any type of insurance policy. For example, if your home is damaged due to a sewer backup or mold growth caused by poor maintenance, you won't be covered by your insurance policy. When it comes to water damage restoration, it's important to understand what type of coverage you have and what type of coverage you need. If you're unsure about what type of coverage you need for water damage restoration, it's best to speak with an experienced insurance agent who can help you determine the best course of action.