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Fire & Water - Cleanup & Restoration

What Your Insurance May Cover When It Comes to Water Damage

9/13/2019 (Permalink)

commercial tile hallway with water standing and a trash can Flooded facility in Johnson City,TN

If you’re facing water damage due to a flood, a storm, or another reason, you may be wondering what part of the damage falls under your insurance coverage in Johnson City, TN. Knowing the details of your policy can be important for something like this. Here is some information you may wish to know.

Basic Policies

While the exact nature of your policy depends on your insurance plan, location, and carrier, there are a few things that can be found in most basic homeowner insurance packages. These can include:

  • Fixing a leaking pipe before a major breakage occurs
  • Pipe breakages from an unpreventable accident
  • Subsequent damage to other parts of the home caused by the water
  • Professional services needed to clean, dry and repair damage after a flood

It’s important to know what exactly is in your policy in case you feel extra coverage is necessary.

Additional Policies

An insurance company may provide additional policies for water damage that occur outside the normal events of a home. These usually include natural disasters, such as flood or extreme storms. Damage that occurs from raising water levels is typically considered flooding and is usually covered by these policies.

Special Circumstances

Certain services may not be covered. This is why it’s best to know what’s in your policy and to talk to an insurance professional about the coverage you need. These circumstances could include negligence, such as knowingly failing to fix a broken pipe before it floods, or damage caused by storm or natural flooding, which is usually covered by another policy.

In many cases, insurance coverage can include the damage that occurs after a flood or the services needed to fix a broken pipe. However, it’s best to know what is in your policy beforehand and to acquire any extra coverage you feel you may need before water damage occurs.

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