What Insurance Covers and Doesn’t Cover
If water unexpectedly began to pour out of the pipe that feeds your washing machine while you were away, it could cause your ceiling to cave in, wooden floors to be ruined, or other possible damages.
Once you file a claim you will have a meeting with the insurance adjuster. They will take a look at your situation and either approve or deny your claim. However, keep in mind that your insurance will most likely carry a deductible. This is the amount that you will have to pay for the damages, the insurance will cover the rest.
While Most Burst Pipe Water Damage is Covered, What isn’t?
Home insurance policies do not cover normal wear and tear, and unless you have an addon to your policy. They will not reimburse you for water damage caused by a clogged drain or flood.
While plumbing problems and burst pipes are covered, it’s important to note that certain situations or types of damage are not. When you file a claim for water damage, your homeowners’ insurance company will send an adjuster to assess the extent and cost of the damage. The adjuster will take a look at the situation and decide if you have a claim or not.