Water Damage and Your Insurance Policy - What You Need to Know

1/27/2022 (Permalink)

It's important to know what is included in your homeowners insurance policy.

We have been receiving more and more calls about pipe bursts.  Many of these damages have been covered by homeowners insurance.  Below are a few questions that you may have regarding your homeowners policy.

1. What damage is covered by my insurance? If your Robinson home experiences water damage from a broken or leaky pipe, the subsequent damage cost will likely be covered by your homeowners policy. If the water damage is the result of a broken pipe cause by freezing weather or a sudden accident this will usually be included in your policy; but check your policy for specifics.
2. What damage is not covered by my insurance? If your insurance company believes the pipe has broken as a result of negligence, you will most likely be denied coverage.  This could happen if you have failed to maintain your home or have not taken proper precautions to prevent freezing pipes during cold weather.  Waiting too long to contact your insurance company can also be a reason for denial of a claim.
3. What should I do when I discover water damage? As soon as you start to notice any water damage you should contact your insurance carrier.  You should also hire a professional plumber to fix the source and a water damage restoration company to mitigate the damage properly.  While waiting for us to arrive, you can document damages for your insurance company and follow these Water Damage Emergency Tips.

Has your Robinson home suffered water damage from a broken pipe? Call SERVPRO of Holland / West Ottawa County today, 616-396-8180, we are Here to help® 24/7