Water damage can wreak havoc on your house and your bank account no matter whether it is a result of a leaking pipe or of a leaking roof. Dealing with the water damage is hard and expensive and the very first question that hits the homeowner’s mind is whether their homeowner’s insurance provides coverage for the water damage or not.
Water damage depends upon the type of the leaks and the insurance plan you have. Almost every homeowner’s insurance provides basic coverage for the water damage, but it does not include constant water damage caused due to persistent leaking or mold damage.
Is Water Damage Covered by the Homeowners Insurance?
In simple words, homeowners insurance plan usually covers water damage that can be caused by a number of reasons. It includes
- Water damage from the sudden leaking of the pipes
- Water damage due to bad weather condition
- Leaking roof
But the insurance plan does not provide coverage if the damage is caused severely because of the negligence on your part.
Does Homeowners Insurance Covers Water Damage from Leaking Roof?
Roof leaks also come under the category of water damage and are usually covered by homeowner’s insurance plan. Roof leaks are also covered even when the roof shingles are destroyed by a windstorm or a tree crashes on the roof and causes an opening in its structure which results in water damage. But the insurance does not cover any damage that is done due to sheer negligence of the homeowner or the damage that can be prevented with a little care.
For example, if the rainwater comes seeping through a pre-existing hole the insurance company will definitely not cover the water damage as they would say that the hole should be fixed before the actual damage has done.
You can easily file a claim in case of any other leaking roof problems or any other roof damage that causes pipe leaking or other problems. It is important, however, to check the insurance document before signing to know what coverage is provided in the plan and what will not be covered in case of any water damage.
What is Not Included in the Homeowners Insurance Coverage?
Usually, every type of water damage is covered in the homeowners’ insurance policy, but some of the causes of the water damage are explicitly stated in the insurance document which is not covered by the homeowner’s insurance. Moreover, the water damage which is caused by the owners’ negligence is often not covered by the insurance and you have to pay for such repairs on your own.
Also, make sure to file the claim as soon as the problem begins with the leaking roof so that immediate action can be taken. Moreover, the insurance company refrains to provide full coverage for late claims as major damage is done in that time period. Therefore, it is advised to file a claim as soon as possible in case of the leaking roof to get the maximum coverage.