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Is water backup covered by your homeowner's insurance?

 Claims on homeowners' insurance water backup Water backup can be a costly event for homeowners. Whether it is due to a faulty washing machine or from a broken water pipe, water damage is a common problem that can be painful to clean up. This article discusses types of exposures to water damage and how your homeowner's insurance may react to different damage scenarios.

Water Backup Types

Water backup is not a single issue. There are many different ways in which water reserves can arise and ultimately damage your home and belongings.

First, it is important to understand the difference between flood and water backup coverage. While flood protection usually covers water damage from natural disasters, water backup coverage is reserved for damage to your home from sources such as:

  • Sump pump
  • Sewer pipes
  • Spare drains
  • Household appliances, hot water 1961 is a common recommendation option that homeowners can choose. However, the amount of coverage you can have for water damage can vary greatly depending on the conditions of your homeowner. Therefore, it is important to understand your coverage and to proactively maintain any appliances or systems that may cause water leaks or backups.

    Water Damage Claim Scenarios

    The Insurance Services Office (ISO) estimates that water claims is the second most common claim and that 1 in 50 homeowners suffers from water damage annually. There are many things that water damage can affect a home.

    In general, water damage caused by the following hazards is covered if it is sudden and unexpected:

    • Broken appliances
    • Leaking water heaters [1965901] Flooding water tanks such as toilets or bathtubs

    Another common water damage comes from "resulting damage". This damage can be covered if it is the result of something that caused that damage. An example would be a pipe that cracks and water damages your basement floor. In this case, the pipe damage would not be covered, but the damage to the basement floor would be covered as consequential damage.

    On the other hand, water damage that occurs over time is usually not covered. An example of an injury scenario is when you have a leaking toilet on the second floor of your house. Instead of solving the problem, the water leak gradually damages your floor and eventually the roof on the first floor below. If you file a claim in this scenario, it may be denied because your insurer would cite the fact that you neglected to remedy the problem.

    In general, the short answer is no. Do not assume that you have water backup coverage with a regular homeowners insurance policy.

    • Most homeowners' policies will not cover water reserve damage caused by lack of maintenance or neglect by the homeowner.
    • They also exclude water reserve due to flooding and intentional damage. If a water drain on your street is clogged with leaves and leads water into your home, flooding your basement, the resulting water damage will probably not be covered by a regular homeowners insurance.

    But if your home insurance includes a approval for water damage coverage there may be coverage for water damage which is:

    • Caused by additional external hazards such as sewer and ground leakage.
    • Sudden and caused by a source inside the house. [19659015] From the hazards mentioned in a homeowner's policy, such as heating, air conditioning or automatic fire extinguishing systems.

    Be proactive

    Water backup is a common and expensive exposure for homeowners, so proactive maintenance of appliances, plumbing systems, plumbing, faucets and toilets is essential.

    Before you experience water damage or backup in your home, it is important to find out how your homeowner's policy would react. You may want to add additional water damage and / or flood protection to strengthen your protection levels.

    Need help interpreting your policy? We are happy to help. Contact a BNC Personal Insurance Agent for guidance and solutions for homeowners.

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