Water damage is one of the most common homeowners insurance claims, and also one of the most misunderstood. Whether the damage happens suddenly or develops gradually over time is one of the biggest factors in determining how a claim may be covered.
Sudden vs. Gradual
A pipe that bursts suddenly is often covered, subject to your policy terms and exclusions. Damage that develops gradually over time, such as a slow leak behind a wall that goes unnoticed for months, is often considered a maintenance issue and may not be covered.
Some homeowners policies offer optional hidden water damage coverage that may provide protection for certain types of concealed leaks, subject to the policy's terms, conditions, and limits.
Not All Water Claims Are the Same
The source of the water, and how long the damage has been occurring, can make a difference in how a claim is handled. Knowing how your policy works before a loss can help set the right expectations.
During a coverage review, I'll explain how your policy responds to different types of water damage, answer your questions, and help you determine whether your current coverage is appropriate for your home.
