While doing any kind of paperwork or signing the insurance papers, most of the homeowners don’t feel it as a necessity to read the whole policy. Flooded basements, leaking appliances, broken pipes and a number of other things are enough to tell us about the situation of water damage, and at the end of the day homeowners fell shocked when they find these things at their homes. In case the water pipes get freeze or they burst, in such a case the insurance company covers all the damages, but if a house is not occupied at the time of the accident then in such a case the insurance process become complicated.
It is not a long process to get water damage insurance claim for your home, however, one needs to very careful while signing the insurance policy along with some of the other measures. Let us take an example here. If a person leaves the heat on a high point for preventing the pipes from getting damaged, in such a case, an insurance company may neglect that claim and they will not offer any kind of repair or cover it under the insurance claim.
There are number of measures for water damage insurance claim for your homeand these vary as per different situations. There are different aspects of this claim. In case such as when a washer dumps all the water in a basement, does it get covered in the insurance? Generally, the water damage which is caused because of leaked washing machine come under the cover of a homeowner’s insurance, however, the machine doesn’t come with it. Most of the times, the company would say that the machine was not kept in a correct repair which caused the accident. It is the duty of a homeowner, to purchase the replacement part and to cover the entire fees of the repair of the machine.
There are instances when the sewer backup causes the water damage and the water lands up in the basement of a house or a commercial building. This situation does not get covered in the normal insurance policies. For such instances, it is always recommended to purchase an addition for drain backups and sewer.
At the time of heavy rains, the water gets leaked from the roof if it has not got a repair for a long time. The question comes, is it covered under the water damage insurance claim? It completely depends on the insurance policy you take. In some instances, it is partially covered, the items which are there in your home are covered but the roof repairing doesn’t fall under the policy. The roof which is not repaired and because which this kind of incident happens then it is considered as the maintenance issue and not an accidental occurrence.
To make sure that a person gets the water damage insurance claim as per his needs, it is very necessary to read each and every point of the policy very carefully.
