So, you have finally realized to get those leaking pipes fixed? Or you are fed up with the constant sewage issues. Luckily, you have got your house insured. Now, all you want is to request a claim for water damage coverage.
Jumbled if it’s included or not?
Figuring out if your homeowner’s insurance policy covers water damage caused at your end or not is a very tricky aspect. Many users are usually found confused when it comes to guessing about water damage coverage.
However, a claim against water damage coverage can be requested once included in your selected policy.
If you are in the hunt of finding the appropriate answer to your question of “When can you claim for water damage coverages?” then keep on reading.
Water Damage Coverage
Before we begin with the actual reasons you can claim for your water damage coverage, you need to clear out your queries regarding water damage.
Are you aware of the technicalities of water damage coverage? Have you read your policy? Did your house insurance providers guide you accordingly about water damage coverage? No?
Well, A water damage coverage claim is one of the most often requested claims under any homeowner’s insurance policy. Along with car insurances, renter’s insurance, and many other forms, Water Damage Insurance Claim stands prominent amongst the list.
Also read: Homeowners Insurance Doesn’t Cover These 6 Things
What is a Water Damage Coverage Claim?
Anything that goes wrong related to the water flow or harm caused due to the watercourse in your house comes underwater damage. A Water Damage Coverage claim is often requested when your house encounters issues regarding the stream of water.
However, not every claim can be accepted. Depending upon the insurance policy you have chosen, your subscription, the cause of damage, and other factors. Your water damage claim could be treated in various forms.
Specific Conditions for Water Damage Coverage
According to the protocols of a standard home insurance policy, if the water damage caused to your home is due to these specific reasons mentioned below, you will be allowed to claim the Water Damage Coverage pompously.
1: Damaged Caused by Rain
Any water damage that is associated with a natural disaster is certainly able to be claimed for coverage. Sudden damage to your belongings and property comes under the responsibility of your home insurance.
Therefore, if by any means, your house is hit by a sudden burst of rainstorm or snowstorm, you will certainly be assisted for a water damage coverage claim.
2: Broken Fire in the House
Any water from a sprinkler system that was subjected to extinguish fire could be a valid reason to request a claim for water damage coverage.
Water can be used to snuff or smooth the fire broken in the house due to an accident. In this scenario, you can request a water damage coverage claim from your homeowner’s insurance.
3: If your Home Pipes are Burst
Standard Home Insurance services have devised policies meant to cover all the damage caused due to any unexpected mishappening. In areas where pipes are tended to freeze out during winters, the bursting of pipes underneath is a prodigious issue.
If you have your house insured, a smashed pipe causing any damage or harm would be repaired by your home insurance providers.
4: Leaking of Pipes
Plumbing issues exist in all parts of the world. With washing machines and dishwashers, it is rather common. However, if you have your house insured, your burden could lessen up.
You can call for water damage coverage under your standard home insurance if any of your pipelines are exposed to accidental leakage. Ensure that the leakage does not occur because of your lack of care and negligence towards the maintenance of pipes.
5: Tree Falling on the Roof
With storms and heavy rains, trees usually tend to fall on your roof if you live in a house surrounded by lush greens. Under this circumstance, your home insurance would provide you further assistance regarding the repair.
Also read: What are Some Common General Liability Claims?
When can you not claim for Water Damage coverage?
You can claim water damage coverage under certain conditions. Under a standard homeowner’s insurance policy, you will not be provided with any water insurance.
However, if you have a slightly upgraded form of house insurance, your damage will be catered to according to some specific restrictions. Some of the situations that can cause disapproval of your claim against water damage coverage under home insurance are:
- The damage caused by the water should be sudden or accidental only.
- Water damage should only be restricted to the internal surface.
- The water damage on the outside would not be covered under the insurance claim.
- Any damage caused due to lack of maintenance would not be accommodated under the insurance claim.
- Water damage caused by a flood or natural disaster does not come under the insurance coverage claim.
Preventing a Refusal for Water Damage Coverage Claim
One can follow specific measures if he aims to prevent his claim for water damage from getting rejected or remain unapproved by the home insurance.
- Make sure to keep track of your maintenance.
- Read your policy carefully.
- Maintain the water impairment of your house regularly.
- Do not delay extra treatments needed to be done regarding water damage.
- Pay Attention to the precise details of your water damage coverage policy.
Also read: What to do when your insurance company won’t pay?
It is mainly important to keep a check and balance of your house’s shortcomings regarding water damage caused. Besides, you should also maintain close contact with your home insurance provider to ask him about the conditions under which you can request a claim for water damage coverage. Be sure that you are aware of your house insurance policy’s terms and conditions to avoid any further inconvenience.