If your property has suffered from water damage in Colorado Springs, you may file a claim on your home insurance to help cover restoration costs. Sudden and accidental water damage is one of the most common cause of home insurance claims in America and cases actually keep on increasing. There may be some exceptions to having your insurance claim approved and we are here to provide you with some useful information:
Different Types of Water Damage Insurance Coverage
Flood Insurance Coverage
In insurance terms, a “flood” is classified as overflowing water that rises to a level that enters your home. It’s classified as “a general and temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land.”
Technically speaking, you may file for a flood insurance claim if more than one home is affected.
Sudden/Accidental Discharge Coverage
Water damage caused by sudden and accidental discharge, such as when your bathtub or washing machine overflows, or when a pipe bursts or your water heater malfunctions, is likely covered by your home insurance policy. Claims are mostly likely to be denied only when water damage proves to have been caused by neglect or lack of maintenance.
Sewer Backup and Overflow Coverage
Sewage system failure may also be covered by home insurance. Sewer backup occurs when water is pushed back into your home through sewer pipes and drainage systems. Sewer backup is not often included in standard home insurance policies. If you don’t have this kind of coverage, you might consider getting it as well. Reports show that sewer backup incidents increase at 3% annually.
Storm-Related Water Damage
Your home insurance may cover storm and weather-related water damage, such as hail damage, flooding due to rain or melting snow, roofing damage, water infiltration, freezing pipes, and so on.
What is Gradual Damage and Why It’s Not Covered
Insurance companies tend to deny insurance claims if they classify the case under “gradual damage.” As opposed to sudden/accidental water damage, gradual damage pertains to water damage that comes as a result of a long-standing problem that could have been avoided if the homeowner did periodic maintenance. Some examples of gradual damage are:
- Burst pipes or leaky faucets that gradually caused damage to floors, walls, and ceilings
- Damage caused by seepage from the house’s exterior or from cracks in the foundation
- Parts of the roof, tiles, or shingles that have indicates signs of repair
- Deteriorating electrical wires
- Molds, rot, or corrosion
- General lack of urgent home repairs
Resulting Damage vs Initial Damage
In your discussions with the insurance provider, the term resulting damage is likely to come up. It’s different from what is referred to as the initial damage. For example, if you filed a claim because your home suffered water damage resulting from a broken pipe–and this is listed in your policy as covered–you may get covered for a portion of the damages, even if say, pipe replacement isn’t covered.
It’s important to contact your insurer immediately if you find yourself in the middle of a water damage incident. Review your policy carefully and see how much coverage you’ve got. If you’ve done regular home maintenance and have supporting documents to prove it, you may present this to the insurance company and would most likely have better chances at getting your claim approved.
If the water damage is caused by gradual damage, you still may have a chance to get coverage, even partially, if the case falls under certain exceptions which you may clarify with your insurer.
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Insurance Coverage for Water Damage