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Does my Homeowner's Insurance Cover Water Damage As Well?

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Some Important Information About Water Damage and Homeowner’s Insurance

Unfortunately, even the best-maintained plumbing systems sometimes have leaks or plumbing emergencies. This often leads to water damage. While you can hope that any such damage might be minimal, having homeowner’s insurance that covers water damage can provide homeowners with the peace of mind of knowing that they’ll be covered in the event of a plumbing emergency or disaster.

Nevertheless, many homeowners are unsure as to whether their insurance covers water damage and, if it does, exactly what it covers. The reality is that the extent of your coverage depends on the company and the specific policy that you have. That said, here are some tips about homeowner’s insurance and water damage to help you better understand your coverage and help you know what to look for in a policy.

Coverage for Water Leaks

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The good news is that there are many available policies that cover damage from water leaks. For example, most Allstate policies cover water damage that is “sudden and accidental.” This means that if you have a burst pipe or a burst water heater, the damage is covered.

When looking at your policy to determine if it covers leaks, look for language similar to that of the Allstate policy that indicates that sudden leaks or burst plumbing systems would be included.

Taking the time to ensure that your home is covered in the event of a water leak or other plumbing emergency is an easy way to help alleviate the stress associated with such an occurrence.

Understanding Flood Insurance

Most regular insurers do not cover flood insurance. However, to fill this gap for homeowners, the National Flood Insurance Program does offer flood insurance. This program is intended to provide affordable flood insurance to reduce the impact on homeowners affected by floods. Flood insurance can cover the property, its contents, or both.

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If you are in an area regularly impacted by floods, it’s a good idea to talk with your insurance agent about the National Flood Insurance Program. They can help advise you of your options and find a plan that is right for you.

Finding Water Damage Services

water damage services

In addition to repairing damage caused by water damage, it’s important to properly dry out the areas impacted.

This can be a complicated process, but it’s important to do it correctly to avoid mildew, mold, and other ongoing issues. The good news is that many plumbing companies offer water damage services.

Plus, if they don’t offer these services, they likely have a company that they can recommend to provide them. If your home has water damage from a plumbing issue, make sure that you ask your plumber about water damage services.

About C & D Plumbing Inc.

C & D Plumbing Inc. has been providing Fort Lauderdale with quality plumbing services for the last decade. A family-owned and operated company, the team is dedicated to always providing the highest quality services and excellent customer service. They also offer water leak repair and prevention solutions, adding another layer of protection to your existing homeowner’s insurance policy.