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Fire & Water - Cleanup & Restoration

What Water Damage is Covered By Insurance

4/21/2021 (Permalink)

It's likely if you own a home that you may run into a water damage issue. It's one of the most common causes of home insurance claims and according to the Insurance Services Office (ISO), water damage claims are the second largest frequent insurance claim, following wind and hail claims.

It can be confusing know what is covered when water damage occurs in your home, but we've gathered the facts to help you understand the basics.

Water damage that is covered:

  • Sudden or Accidental Discharge
  • Sewer backup or water backup 
  • Overflow
  • Water Damage that may NOT be covered:

    • gradual damage
    • wear and tear
    • ignored maintenance
    • flood unless you purchase a separate flood insurance policy

    It is always recommended to speak to your insurance provider to find out exactly what is covered in your policy so you can fully understand your coverage plan. We also recommend that you keep up with the maintenance in your home and take care of problematic issues so you are more likely covered in case of a water damage. SERVPRO of Chesapeake south is always here to help 24/7.

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