How to Claim Home Insurance for Water Damage?


Water damage is one of the most common causes of home insurance claims. According to the International Standards Organization, water damage claims are the second largest recurrent insurance claim, following hail and wind damage. The percentage of claims because of water damage is also rising, while other causes of damage stayed reconcilable or even decreased. No wonder why people have a lot of questions regarding water damage and what is covered under homeowners' insurance.

Things get even more complicated when we look at the exceptions. In case you are facing such issues, and you want to file a lawsuit regarding burst pipes insurance claims, you can contact the experts at David Low & PA Associates.

Mentioned below is a review of some of the water damage claim issues to help you understand what kinds of water damage will or will not be covered by home insurance.

Types of Water Damage 
There are many types of water damage that may be covered or excluded in a home policy such as:
  • Flood
  • Overflow
  • Sewer backup
  • Water backup 
  • Sudden or Accidental Discharge
  • Storm Related Water Damage Covered by Insurance
As a homeowner, it is your responsibility to understand the risk covered by your home insurance policy and also how to file a lawsuit in case of loss and damage. Damage to properties engendered by water is common, especially in apartments having shared pipes. Nevertheless, when it comes to water damage, gauging what is covered under the standard home insurance policy is difficult. Here is some important information regarding the coverage offered against water damage and also the claims process.

What is Not Covered? Water damage originated because of the following are not covered under a standard home insurance policy.
  1. Water damage due to unresolved maintenance problems like rusty pipes or plumbing issues.
  2. If the damage is caused by ionizing radiation or nuclear weapons.
  3. Loss or damage caused by water due to wear and tear of home structures, depreciation, and consequential loss.
  4. Water damage from accidents caused by willful destruction of property
The exclusions may differ depending on the insurance provider. Do enquire with your insurer or agent about the policy exclusions.

It is your duty as an insured to know the exclusions and inclusions of your home insurance policy. Since damage caused by water can prove to be very expensive, you must be informed about the burst pipes insurance claims process and coverage provided so you can contact your insurer without any delay in case of an accident.

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