Does Your Home Insurance Cover All Types of Water Damage?

Peeling paint on an interior ceiling a result of water damage caused by a leaking pipe a result of substandard plumbing completed by an unqualified plumber. A common house insurance claim.Home insurance claims for water damages are the second most common filings made by homeowners, only behind wind and hail damages, according to ISO.

While many people often file claims for water damage, not everyone seems to be familiar with the types of damages that can be covered by their insurer. Gradual damage, for instance, could be rejected for different reasons.

Familiar Types

Gradual water damage can take on many forms, such as mold build-up and leaky pipes. These damages often remain invisible until the effects manifest on the surface, which means homeowners should routinely check their water system in each part of the house. Maintenance and repair should allow you to act immediately, as insurers may refuse to acknowledge a claim.

That is because most insurance claims only cover the sudden and accidental damage. As such, the chances of gaining approval for a claim for a storm-damaged roof are higher, compared to a leaky pipe caused by months or years of neglect. In some cases, hiring a plumber right away will save you more money instead of thinking that your insurance will cover the damages.

Rule Exceptions

Each rule has its own exceptions. All Hours Plumbing and HVAC notes than an insurance claim for water damage in Salt Lake City may cover gradual damages based on the policy’s terms. This will be a tedious process, so you should talk to an insurance advisor or broker to review your insurance’s exact terms.

The Utah Insurance Department can also help in answering questions about your insurance coverage. For those who have complaints, lodging one with the department has become easier with an online account on their website.

Prevention is always better than cure, so homeowners should be diligent in maintaining a well-functioning water system at home. In case of problems, it is best to contact a plumbing professional instead of trying to fix the problem on your own.