Even a small water leak or broken pipe can cause thousands of dollars in damage to your home and personal possessions. Unfortunately, many sources of water damage are specifically excluded by most home insurance policies, so it’s important to understand your coverage. Below are answers to some common questions you might have about water damage and insurance claims.

Answers to Common Questions About Water Damage

What types of water damage are covered by home insurance?

Damage caused by rising water, overflowing body water, and other common sources of floods are usually excluded by most home insurance policies. Your carrier also won’t be responsible for damage caused by poor maintenance, which may apply to window seals, roofs, and plumbing pipes.

However, some types of damage are covered. If a broken pipe, overflowing toilet, or damaged roof tile allows water into your home, you may be able to file a claim against your home insurance policy.

What are the most common reasons for a claim denial?

Most claims for water damage are simply denied because the incident is excluded in the policy. For instance, floods are usually covered by a separate policy. Unless you have flood insurance, your insurer will likely deny a claim for damage caused by rising groundwater.

The insurer may also decide that you didn’t take enough steps to minimize damage. If you’ve detected a leak in your house, taking action to protect your belongings and minimize losses will make filing a claim later much easier.

How can I speed up the processing of my claim?

If you’ve detected water damage in your home, immediately try to shut off the supply and start cleanup as soon as possible. Soaking up excess water with a towel and placing dehumidifiers around the affected area can help minimize the damage.

You should also take photos of the damaged areas, both before and after cleanup. This makes filing a claim for ruined possessions much faster and easier.

How can an insurance agent help file a claim?

Along with helping you choose a policy, insurance agents will expedite the process of filing a claim. They can tell you which types of evidence your insurer will need and contact the carrier on your behalf. Your agent will also review your policy to ensure you’re receiving all the benefits you’re entitled to. For instance, your homeowner's insurance coverage might include payments for alternative living arrangements while your house is undergoing repairs.

Since 1997, Western States Insurance Group, Inc. has provided customized coverage options for homeowners throughout Lovington, Hobbs, Lea County and surrounding areas. As an independent agency, they work with a network of respected providers and will always take the time to ensure you get the coverage you need at the best available price. Visit their website for more on their services or call (575) 396-1318 to request a home insurance quote today.  Get updates and tips on Facebook and Twitter.