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Fire & Water - Cleanup & Restoration

Understanding the Differences in Insurance Water Damage Coverages

2/11/2021 (Permalink)

If you're frustrated or confused by water damage coverages and insurance, you aren't alone. Below are explanations and definitions of the most often confused water damage terms and what you need to know about your coverage if you have to make a claim. You don't want to have your water damage claimed denied. 

3 Types of Water Damage in Home Insurance

Some types of water damage are pretty straightforward. It's helpful to be familiar with three of them. When you call to make a claim and to find out if you're covered, the insurance company may use terms like:

  • Sewer backup or water backup 
  • Overflow and discharge
  • Flood

The source of water damage is not always obvious. The insurance company might throw some of these terms around when you call to ask if you're covered in a water damage claim. Before deciding if it is covered or not, they will have to determine how the damage happened.

The insurance company will send an adjuster to manage your claim and they will investigate the source of the damage to see if it is covered. 


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