Water damage is just one of the most standard causes of condo insurance claims, it’s actually the second most commonplace damage claim. Water damage is second only to wind and hail damage. With that in mind condo owners may question does insurance cover all kinds of water damage? Plus they might have multiple questions about what is covered in their insurance so they’re safe in any type of future water accidents
- Sudden or Accidental Discharge from a blockage in the plumbing
- Sewer Backup or Water Back Up
- Storm Related Water Damage
- Interior Water Damage from melting snow or ice through the roof
- Accidental discharge of water due to freezing pipes
What Types of Water Damages are Covered by Home Insurance?
When it comes to water damages and what their residential property, condo or renters insurance will certainly cover, there are a few common queries people ask. Below are the most commonly asked queries:
1. Is water leakage covered by insurance?
2. Is a dripping bathroom covered by insurance?
3. Is water damages from a dripping roof covered by insurance?
In order to ascertain coverage the answer is the same for all of these incidences – it depends on the source of the damages, the kind of plan you have and if the damages was an accident, intermittent or sudden. Know that your insurance claim might be rejected if the incident happened gradually gradually, such problems are not usually covered even if your plan includes water damages coverages.
How is Gradual Damage Defined?
When problems happen gradually over the course of time these are thought of gradual problems. Think about it like paint flaking gradually off a wall, it begins with a little area and after a while more and more is slowly uncovered to become a bigger space and a bigger problem. This is what gradual damages in a house is like. Another element to take into consideration is repeated and sustained damages over time in conjunction with gradual damages. If you find yourself saying the statement “Every time it rains, I start to see water leaks” Then you more than likely do not have damages that is qualified for coverage from your insurance protection. And the bottom line is asking on your own, is this the first time I discovered the issue? Or has it been happening consistently in the past?
Gradual Water Damage in Your Property
For the most part we do not see all of the hidden areas of our residences, we only see the walls, the decorations and the furniture. Truly our residences are a lot more than what we can see, they have lots of pipes, electrical wiring, air flow systems, and so on. Under the surface your residential property is working hard working with numerous activities.
It can be very easy to ignore routine repair and maintenance thinking about that a lot of what makes your crowning achievement is out of sight, out of mind. Without this routine maintenance nonetheless there could be issues occurring without your recognizing it. Typically we aren’t aware of these problems up until there is a structural issue or some kind of physical evidence. This is when many people try to make a claim.
When the damages isn’t accidental or sudden the claim is usually rejected, and however. That’s why routine maintenance and inspections into these hidden areas is so critical. If you can stop it prior to it becomes a bigger problem usually your expense will not be as huge either.
Getting your own public adjuster included in your claim early can assist you get paid fairly and avoid claim submission mistakes we often see in catastrophe circumstances. Do not wait for your claim to be underpaid or rejected. A public insurance adjuster is experienced to represent your benefit, file damages, file and negotiate your claim with the insurer. Call us for a no obligation claim consultation (614) 245-2179