Rainstorms, Overflow, and Floods

Insurance policy will Cover water Damage claims that are “sudden and accidental.” Insurance policies do not cover neglect, wear and tear, or normal maintenance.

Owners are responsible for preventing water damage entering the home through leaks and cracks. What environmental water damages will insurance cover?

Water Damages

1. Overflow from a backyard pool. The policy should cover pool and pump damage due to a rainstorm or a fallen tree. Additionally, a small fee may be incurred to damages for lawns, trees, shrubs, and landscapes. If the damage is from a flash flood or overflowing river, no coverage is provided.
2. Water from a rainstorm. Insurers will not cover roof leak repairs because they consider it a maintenance problem. However, the policy covers damage inside the home caused by water damage. If wind, hail, or a fallen tree damaged the roof, the insurance will cover the roof leaks.
3. Damage from flood. Homeowners’ policy does NOT cover flood damage. You need to purchase a separate federal government policy for this coverage. Your insurance agent can offer you the policy.

Usually, people ask if they should make the repairs immediately in the event of water damage. Making the repairs yourself is difficult and requires a lot of time and effort so it is best to call a restorations company like PACIFIC Cleaning & Restoration. We will make the necessary repairs to protect your property from further damage.

Consult with your insurance provider to ask what repairs we can do before an insurer comes to inspect the damage. Calculate the probable amount of your claim versus the insurance’s deductible. If the deductible is relatively close to the probable amount, you might consider not filing a claim since the deductible is below the increase of your premium from the claim.

The purpose of this blog is to provide water damage insurance claim guidance. With an array of different homeowner policies, it is crucial you read the policy and review it with your agent to know what coverage you have. Finding out you do not have insurance coverage for water damage could cost thousands of dollars when you file a claim.

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