If your house has recently been victim to water damage, whether a result of a burst pipe or flooding due to severe weather conditions, you’re likely wondering whether or not this is covered under home insurance.
Firstly, different homeowners and flood policies vary, so this should be your first point of contact when tackling the insurance issue. However, for most households, it’s not all doom and gloom – some water damage is covered under most policies, but it does depend on where the water came from (inside vs. outside).
With this in mind, the remainder of this blog post will discuss more on water damage and homeowners insurance, particularly whether or not it covers any associated damages.
Accidental water damage
Generally, if the water damage is accidental, such as a burst pipe or leaking radiator inside your home, then your homeowner’s insurance policy should cover these costs. However, if the damage is from the outside, such as flooding or flood-related damages, then this will not be covered in the standard policy.
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With this being said, you may qualify for some form of compensation or support, so it’s definitely worthwhile contacting your insurance provider and providing them with all of the details.
The extent of the damage
Although some water damage may have been accidental, if these are a result of negligent household items, such as a leaking sink that has not been fixed in months, then you may not qualify for homeowners flood insurance.
The same applies to damages from appliances, such as a washing machine – you may be provided the funds to fix or replace your flood, but not to substitute the washing machine itself.
Flood insurance is required for external water damage and flooding
Finally, flood insurance is required for any external water damage and flood-related incidents. Even if you live in an area that is not likely to flood, purchasing this protects you worst-case scenario, providing security during what can only be described as the worst of times.
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Quick Turn Around
Erika - Nicholasville, KY
We have some shingles blow off in the recent storm. Jacob's Ladder helped us out, worked with our insurance, and turned the job around quickly. Thanks!
Professional and helpful
Wilburn - Nicholasville, KY
Contacted Jacobs Ladder to have my roof replaced. Very professional and very helpful with all the questions I had regarding my roof. New roof looks great! Thanks again
Roof Replacement for a townhouse
Brian - Nicholasville, KY
From start to finish, every contact with this company was extremely professional and pleasant. They were replacing a roof next door to us and I inquired about doing some repairs. After inspecting our roof, they recommended filing an insurance claim for a full replacement. The owner of the company worked closely with us and went above and beyond when our claim was initially denied. The work crew was prompt, courteous and efficient. The end result was a beautiful new roof. They even filed our warranty paperwork with Owens Corning. It was a pleasure doing business with Jacob's Ladder. Highly recommended for their professionalism and personal touch every step of the way!
Above and Beyond
Keith - Nicholasville, KY
Went above and beyond to fix my roof leak. Patched trouble spots beyond where the leak even was
Professionalism, Punctuality, Quality, Responsiveness, Value
Darla - Nicholasville, KY
The team was on time and very on task to complete the installation as communicated. The team was a happy group of workers and very professional. Once they were done, you would never know they were here - except for a brand new roof!