Is it Covered?

10/30/2020 (Permalink)

Water is one of the most common causes of damage in homes, and represents a large number of insurance claims.  It is however not always easy to navigate what is, and what isn't covered.  

Depending on the type of coverage you have, typically if water damage is accidental, it is covered by your homeowner's insurance.  Examples of accidental water damage may include

• Discharge and overflow of water
• Freezing of plumbing and pipes (some exclusions do apply)
• Tearing apart, cracking, burning or bulging of a steam or hot water heating system
• Damages covered by the weight of ice, snow or sleet

The key to these types of coverage is it must be sudden and accidental, not a maintenance or wear-and-tear issue.  

Always check with your insurance agent to verify your coverage and to evaluate if additional coverage would be needed.  

If you do have a water related issue in your home, SERVPRO of Norwich and Windham County is here to help 24/7.  Just call us at 860-887-0447 and we can have our trained technicians on sight to help.