What Does Your Policy Cover in Regards to Water Damage?

Oct 03, 15 What Does Your Policy Cover in Regards to Water Damage?

Water damage is a serious issue that is always associated with costly repairs. Therefore, it’s imperative to make sure that your insurance policy covers it. However, you also need to understand that there are different types of water damage and determine which exactly are included in the policy. This way, you will be able to find an insurance plan that offers the best protection in regards to this particular issue.

In general, basic insurance policies usually cover water damage caused by one of the following reasons:

  • Rupture of your heating system
  • Rupture of your sprinkling system
  • Rupture of your plumbing system
  • Rupture of your air conditioning system
  • Escape of water from aquariums, waterbeds, and appliances
  • Escape of water from the public watermain

Do note, however, that any insurance policy covers only the result of the damage, not its cause. Therefore, you will be the one to pay for plumbing or other necessary repairs. Therefore, it really pays to invest into various devices that reduce the risk of water damage. A water softener is one of the tools that can help you protect your home from this disaster.

If you don’t know much about these devices, visit Poolhomeschool. This website contains a lot of helpful information about the benefits of water softeners, the damage dealt by hard water to your plumbing and various appliances, and detailed reviews of various softeners available on the market. Installing one of these devices is a wise decision even despite the fact that this tool will not be able to provide you with a 100% guarantee against water damage. The main reason for this is the fact that hard water can have a negative effect on your health. It often causes rash, hair loss, and other similar conditions. Their treatment definitely won’t be covered by your health insurance.

What to Do Before Contacting Your Insurance Company about Water Damage

Prevention is good, but sometimes it’s not enough. In case an incident occurs and your property does get damaged by water, you will need to take several very specific steps to facilitate claiming compensation.

  1. Shut off all the interior water sources on the property.
  2. Be careful to stay away from any electrical appliances and switches.
    Do not turn on the lights before a professional electrician checks your system to determine whether it was damaged as well.
  3. Stay away from the areas that are at risk of collapsing (water-soaked ceilings and floors).
  4. If your ceiling developed bubbles, puncture them to release excess water.
    Put a bucket under the bubble beforehand so that you don’t add to the floor damage.
  5. Move whatever precious items you can to dry areas.
  6. Stay away from the items damaged by sewer backup.
  7. Do your best to remove excess water from wood, upholstery, and other surfaces that are susceptible to the damage from this element.
  8. Compile a list of damaged, destroyed, and lost items.

Contact your insurance company after you complete the actions listed above, or at least as many of them as you can. Provide the insurance agent with a detailed inventory and follow the instructions from your policy for claiming compensation.