Does Homeowners’ Insurance Cover Water Damage From Rain?

While the pitter-patter of rain against windows can be soothing, excessive rain can bring water damage to your house, and that is definitely not fun to deal with. With the exception of fire, water damage is probably the biggest threat to your home and belongings. Therefore, it is good to educate yourself on whether your homeowners’ insurance policy covers water damage from rain.

What Type Of Water Damage Is Covered by Homeowners Insurance?

Water damage is one of the most frequent and costly types of claim, according to the Insurance Information Institute. Every year, about one in fifty homeowners file a freezing or water damage claim, amounting to 29% of all homeowners' insurance claims, with the average cost of losses being $11,098.

Here’s what types of water damage are usually included:

  • Accidental leaks - These include leaking appliances or fixtures, like a leaking dishwasher, washing machine, or faucet.

  • Burst pipes - This could be a frozen pipe that has burst. However, if there is evidence that heating was intentionally turned off long enough for the pipe to freeze and burst, the claim could be rejected.

  • Water damage from storms - This can be hail or heavy rain.

  • Water damage due to a roof leak - A roof leak could be caused by a broken tree falling on your roof or damage from a storm. Keep in mind that roof damage is expected to be repaired within a reasonable time. Failure to rectify the situation could result in further water damage that you will be held responsible for, which could get your claim denied.

  • Water damage after a fire - This refers to damage from water that was used to extinguish a fire.

  • Ice dams - This is ice that builds up over time in your gutter and damages your house. It might be covered by the insurance company if you can prove that the loss was accidental and not due to lack of maintenance.

  • Damage due to mold - Rain can enter a house and cause mold to form. Depending on how rainwater found its way to the interiors, your claim can be accepted. Again, if you were negligent in maintenance, your insurance will not cover the gradual damage resulting from poor upkeep.

  • Damage from vandalism - This can happen if someone breaks a window and rain enters the home, damaging everything in its path.

What Type of Water Damage is Not Covered by Homeowners’ Insurance?

  • Water damage from an intentional act - This could be from turning off the heat in extremely cold weather or setting a fire in your home that needs to be extinguished.

  • Water damage due to negligence or lack of maintenance - This can be not repairing a plumbing problem in due time or not fixing a leak in the roof.

  • Water damage due to tsunamis, hurricanes, or floods - Tsunami and flood damage are excluded from standard home insurance policies. If you experience frequent flood damage where you live, you should consider getting additional coverage for this specific peril.

  • Water damage from “earth movement” - This means landslides, earthquakes, or mudslides. For example, if you have water damage resulting from an earthquake, it will not be covered. If you want to cover damage from earth movement, you will need an endorsement or a rider.

  • Water that backs up through a drain or sewer.

  • Water damage caused by structure leaks - A structure can be something like a pool or hot tub.

  • Water damage that leaks or seeps through a foundation.

  • The cost to replace or repair the source of the water damage - This could be fixing a broken washing machine or dishwasher.

  • Water damage from broken equipment such as a sump pump.

Englander Peebles - Miami Property Insurance Lawyer

Nobody is ready to deal with the kind of excess water that could cause immeasurable damage to their property. More so, nobody wants to add on the stress of dealing with demanding insurance companies. If you are dealing with a tricky situation that is making it difficult for you to lodge a claim, we are the ones to call.

Property insurance attorneys at Englander Peebles can help you maximize your recovery and have helped numerous homeowners to successfully get fairly compensated for water damage and loss due to a fire, smoke, hurricane, or other perils.

We also offer an initial free case review to see if we can solve your problems. Contact us now to get started.

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