Cincinnati Water Damage: Article About Insurance and Water Damage
Unseen pipes carry water through walls all throughout a house. Even a small hole or loose fitting on any one of these pipes can lead to leaks that can result in catastrophic water damage to electrical systems, wood framing and almost anything in the house. Water damage repair is rarely cheap and sometimes very expensive. Homeowners often ask if repairs associated with water damage will be covered by their homeowner's insurance policy. Cincinnati water damage professionals have information to shed light on this topic.
It is likely that water damage resulting from sudden and accidental causes will be covered by insurance. Most standard homeowner's insurance policies provide protection from this type of event. For example, water damage to the drywall and subfloor of a laundry room after the water intake pipe to a washing machine burst is likely to be approved for insurance coverage. The damage was accidental and reasonable precautions against damage occurrence were taken because it is assumed the washing machine was properly assembled.
Homeowners should take the time to check the specific clauses of their homeowner's policies to understand what type of water damage is covered and what is not.
The water damage experts at Griffin Contracting and Restoration of Cincinnati OH can assist you with any questions regarding flooding damage or sump pump back ups.
There are several types of water damage that are usually not covered by standard policies. Damage because of neglected maintenance issues is not likely to be reimbursed by insurance. This means that insurance will not provide coverage for damage from a leaky pipe that is allowed to leak water onto the floor for months. Additionally, most standard policies do not cover replacement or repair of the source that caused the water damage. While the insurance company will pay to have the floor repaired or replaced, it is not likely to approve replacement of the broken washing machine that caused the problem in the first place.
Homeowners should also be aware that standard insurance policies do not provide coverage for flood damage. This includes all types of flooding water, not just the natural type that comes to mind. Flooding can occur from storm drain backup during heavy rainstorms just as it can come from overflowing bodies of water. Flood insurance is available to protect against damage from these types of disasters.
Proper preventative maintenance on hoses and water carrying appliances throughout the house can keep water damage from occurring in the first place. For more information on how to prevent common sources of water damage or to get assistance in restoration, do not hesitate to contact a water damage professional.