How Home Insurance Companies Handle Water Damage Claims

Water damage is something that can happen to any homeowner at any time, and it can occur in many different ways. If you recently experience water damage, you might be able to file a claim for it with your home insurance company and receive compensation for it. There are plenty of times insurance companies cover the costs of repairs caused by this, but it will depend on the cause of the water damage. Here are some details to help you understand how home insurance companies handle water damage claims.

They want to know what caused the water damage

The first thing to understand is that an insurance company will want to know all the details of what caused your home to experience water damage, and there are a number of different things that can cause this. For example, if a flood hit your area, it could cause water damage in your home. Water damage can also be a result of gutter problems or foundational issues. Additionally, water damage can occur from plumbing problems in a home.

When you contact your insurance company about the water damage you have, they will ask you what caused your home to experience this, and you will need to tell them everything you know about it.

The cause of the water damage determines whether it's covered or not     

When the insurance company learns the cause of the water damage, they will be able to tell you if the costs for repairs will be covered or not. Home insurance typically covers the costs of water damage for problems that were beyond a person's control. For example, if a pipe in your home bursts unexpectedly, they will likely cover the costs of repairs. If a major storm comes through the area and rips off part of your roof, they would also cover the costs of water damage from this.

Most home insurance companies do not cover the costs of repairs if the damage was from a flood. You would need flood insurance coverage for this purpose. Insurance companies also typically deny paying water damage claims if they were the result of poor maintenance by the homeowner.

If you just experienced damage in your home from water, you should contact your home insurance company to find out if they will cover the costs of the repairs or not. To learn more about what home insurance covers, talk to a home insurance agent, like one from Angel Auto Insurance, today.