Does Home Insurance Cover Water Damage?

Water damage in Manchester, NH can be tricky when it comes to home insurance. Whether or not it’s covered will be dependent on it if it is considered sudden internal damage. It will not cover any damage that is due to neglect or lack of maintenance, and it will not cover any damage that is due to a flood.

You will be covered by your policy if the water damage is the result of a snow or rain storm, plumbing issues like faulty plumbing or a burst pipe, water damage from extinguishing a fire, a leak in the roof, an overflow of an appliance accidently, or vandalism. Home insurance will not cover water damage if it’s not the result of an accident. It won’t cover any flooding, water or sewer pipe backups, ground seepage, or poorly maintained pipes that cause leaks. If you want coverage for flood damages, you have to get a separate flood insurance policy.

Mold is commonly found after water damage in a home and it’s not always covered by homeowners insurance. Mold can be destructive, but it can also be dangerous to your health. Depending on what caused the mold in the first place, it could be covered. Mold will be covered if it is a result of water damage that is related to a covered peril. For example, if a pipe bursts and allows mold to grow, then homeowners insurance will cover some of the mold removal costs because the mold would be considered an extension of water damage. Many policies will cover $5,000, but some cover more or less. Mold due to a lack of maintenance or neglect isn’t covered. Mold that grows in a humid environment, such as a basement or bathroom, will also not be covered. Any mold that grows because of a flood would be covered under flood insurance and not your homeowners policy. Check with your agent at Associated American Insurance to see if mold will be covered under your policy.

Contact Associated American Insurance, serving Manchester, NH, to get a quote on home insurance.