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Water damage Insurance
Insurance coverage is available to homeowners to protect them from water damage. Depending on the location of the home, each insurance company offers different plans. Water damage is one of the most expensive disasters a home can face, costing billions of dollars each year.

Water damage that occurs unexpectedly or incidentally from a source inside your home, such as a ruptured line, is usually covered by most conventional home insurance policies. If the water comes from outside your home, your standard policy will not cover it. However, if water damage is caused by negligence or poor maintenance, you are individually responsible for the repair costs.

Does Insurance cover water Damage?
It’s difficult to determine which types of water damage are covered by insurance, but most standard home insurance policies cover water damage that occurs suddenly and internally. Almost one out of every 50 homeowners makes a water damage claim, which includes leaks and damage from freezing. You may purchase a separate Flood Cover policy to protect yourself against flood-related water damage. It’s critical to understand the difference between water damage and flood damage. Recognizing the two can be difficult, which is why it’s best to read your insurance policy carefully or seek assistance from your agent.

According to the Insurance Information Institute, the average cost of water damage or freezing claim is $11,098 while insurers in. With the correct insurance coverage and sound advice, you can protect your most valuable asset from water damage.

Water Damages Covered by Standard Home Insurance

  • Rain or snowstorm
  • Accidental leakage or Overflow of appliances e.g. (toilet, bathtub)
  •  Burst pipes (this includes frozen pipes that burst)
  •  Roof leaking (like a tree falls on the roof or any other damage from a storm)
  •  Destruction or vandalism
  •  Ice dams (ice that is built up in gutters and cause damage to the home)
  •  Water damage after a fire

How to claim Insurance that covers water Damage?

To file a claim, contact your insurance company as soon as possible. After you’ve filed your claim, contact Superior Emergency Restoration, and a technician will come out to evaluate the damage and assist you in minimizing any further damage.
They may arrange for a loss adjuster or agent to assess the damage and, in extreme situations, arrange for you to stay somewhere else.

Your loss agent will contact you within 24 hours. The agent will provide you with an underlying opinion as well as a general plan of what should be done, who will be responsible for it, and how long it will take.