How fast can water damage ruin a home?
Water damage is one of the most common causes of home insurance claims. According to ISO, Water damage claims are the second largest frequent insurance claim, following wind and hail damage. The percentage of claims due to water damage is also increasing, while other causes of damage have stayed fairly consistent or even decreased. It's no wonder people have a lot of questions about water damage and what is covered under your homeowners insurance, and why things, like "gradual damage" are not covered. Things get even more complicated when we look at the exceptions. Here's a review of some water damage claims situations to help you understand what kinds of water damage will or will not be covered by home insurance.
There are many types of water damage that may be covered or excluded on a home policy such as:
- Sudden or Accidental Discharge
- Sewer backup or water backup
- Storm Related Water Damage Covered by Insurance
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