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Home / Insurance / My house has suffered water damage, should I be covered? | Property Insurance Coverage Law Blog

My house has suffered water damage, should I be covered? | Property Insurance Coverage Law Blog



Recently, much of the United States has seen wild swings of difficult weather. From mid-70s on Saturday to 47 degrees and an inch of rain on Monday, it can be very difficult to awaken your home. With heavy rainfall and flooding in most parts of the Northeast, many have recently asked: My house has suffered water damage, am I covered?

Well, like all good legal answers is the answer, it depends. Many homeowners policies do not provide coverage for groundwater or surface water that sucks into your home. Most policies do not provide coverage for water damage due to sewage or sewage safety or a failed swamp pump. However, some policies have added premiums that provide coverage for back-up of sewage, sewage, or dump pumps for a limited amount of money. Many homeowners in the Northeast have suffered major losses from backwashing, sewage or sewage pumping, so it is important to check your homeowner's policy of coverage as this is water damage from your drainage systems.

Unfortunately, many people are wrongly convinced that their homeowners policy will cover water damage, but that is not the case. All types of land or surface water are almost always excluded (you need flood insurance for that). In most cases this does not mean water damage as a result of floods from ponds, rivers, inlets, oceans, rain, storms, hurricanes and the like. Some water damage from appliances or frozen tubes may be covered. But even these claims are not without their exclusions.

Water that accidentally emits from a device that breaks can be covered, but the appliance itself is not. Frozen pipes can be covered as long as you keep the heat in your home sufficiently or properly winter hair system. Damage to your roof system that results in damage to internal water can be covered as long as the damage is not the result of wear or deterioration. Some water damage you cannot see until it appears as watermarks or stains. That water damage can be the result of a broken pipe, a device or a toilet. Some policies exclude coverage for water damage resulting from a hidden or latent defect over a certain period of time. So, if the water leaked from the toilet upstairs and leaks down for a period of weeks or months, you can't be covered.

If at this time you ask yourself, "What water damage is covered?" The answer is simply "not much". While some water damage to a home is covered, as previously discussed, much of the duvets are not without exclusion. Your best choice as a consumer is to make sure you read your insurance policies, ask questions, and keep up to date with any changes made to your forms.

If you are in water damage in your home, make sure you get in touch with a licensed public regulator to help you navigate those losses with your insurance company.


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