Finding water damage in your home is super stressful. In the event that you’re dealing with a burst pipe, a broken water heater, or flood damage, it’s important to know whether you’re likely to be covered by your homeowner’s insurance. At Allen Insurance Agency in Ramseur, NC, we’re here to answer all of your questions when it comes to homeowner’s insurance.
Homeowner’s Insurance and Water Damage
Your specific policy will determine the limits of your coverage, and it’s important to talk with your insurance agent about any specific questions you have about your policy. Typically, standard insurance policies cover water damage when it comes from inside your home. For example, if your floor is damaged due to a leaking washing machine, it’s likely that you’ll be covered. An important note: while the damage is likely to be covered, it’s unlikely that the faulty appliance will be replaced by your insurance company.
Water damage that comes from outside the home is a different story, however. If the water damage in your home is caused by a flood, you’ll need to file a claim with your flood insurance company. Water damage issues caused by a homeowner’s failure to complete normal maintenance (such as failing to repair a drain that hasn’t worked properly for a long period of time) typically are not covered.
Reach Out To Us
When it comes to choosing a home insurance company, it’s important to ask the questions that matter. At Allen Insurance Agency in Ramseur, NC, we’re here to help. Reach out to us today to learn more about how we can help you rest assured that your home is protected.
