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What types of water damage are covered by your homeowner’s insurance?

Water damage can be a huge headache – luckily, most homeowners’ insurance policies cover a variety of events. However, it’s important to make sure your policy has the coverage you desire, in case of an emergency. Floods, leaks, and storms can cause serious damage in a short period of time, so make sure you’re prepared!

Flood Damage Insurance Coverage

Most insurance policy covers water damage. However, many people don’t know the specifics of what is and isn’t covered. In most cases, water damage from weather-related events (storms, hurricanes, etc.) is covered. If you live in an area that is prone to flooding, you may need to purchase a separate policy for flood damage.

Water Damage Insurance Coverage

Insurance policies cover sudden and internal water damage, which can be caused by accidental tearing, cracking, burning, or bulging of steam, heating, AC, or fire protection systems. This coverage can help to repair or replace damaged equipment and property, as well as cover the cost of temporary living expenses if your home is uninhabitable due to repairs.

Know your coverage

As a homeowner, it is important to be familiar with your homeowner’s insurance policy and what it covers. This is especially true when it comes to water damage, as many policies have different levels of coverage. We advise conducting a yearly review of your policy to ensure that you are fully aware of what benefits you will receive in the event of water damage.

Additionally, it is important to keep updated on any changes to your policy, as this could impact your coverage in the event of water damage. By being proactive and informed, you can help to ensure that you are properly protected in the event of water damage to your home.

In conclusion remember

There are many types of water damage that are covered by homeowners’ insurance. This insurance will save out pocket expenses if something happens and your home is damaged by water. It’s important to make sure you have the coverage you want in case of an emergency. Water damage can happen quickly, so it’s important to be prepared.

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