Does Home Insurance Protect My Home from Water Damage?

No one relishes the thought of waking up to a flood in their home due to broken water pipes. But it can happen. Fortunately, standard home insurance from Schneider Insurance Agency in Gahanna, OH will generally cover this type of disaster so you can recuperate your losses. Not all water damage, however, is covered under standard home policies. By reviewing your policy, you’ll gain a better understanding of the protection you have so you can be prepared for any eventuality.

Understanding Water Damage Coverage

Generally, home insurance will protect you from water damage that occurs accidentally and abruptly from sources within your home such as a burst water pipe or appliance overflow. 

Water damage caused by outside flood waters, however, is not covered by home insurance. If you live in an area where flooding is a risk due to water surges or extensive rainfall, you can obtain flood coverage by purchasing flood insurance. Adding flood insurance to your home policy provides you with an extra layer of protection against water damage disasters. 

Exceptions to Water Damage Coverage

As a homeowner, you’re responsible for the upkeep and maintenance of your property. If water damage occurs in your home due to improper maintenance or carelessness on your part, your claim may be denied.

By addressing issues that can lead to water damage in a timely manner, you can protect your home and property from water damage disasters. This includes dealing with leaky faucets, replacing worn pipes, fixing broken hoses on washers, dishwashers, and refrigerators, and replacing old, worn roof tiles to keep water from leaking into your home.

Insure Your Home Against Water Damage!

To learn more about insurance options to safeguard your home from water damage, contact Schneider Insurance Agency in Gahanna, OH today!