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Fire & Water - Cleanup & Restoration

When can you claim for water damage coverage on home insurance?

4/7/2020 (Permalink)

When can you claim for water damage coverages on home insurance?

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. Claims due to water damage impacts 1 in 50 homeowners each year. It's no wonder people have a lot of questions about water damage, 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.

There are many types of water damage that may be covered or excluded on a home policy such as: 


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