How to Insure Your Home Against Water Claims

Help protect the life you’ve built and recover more quickly after a water damage.

Many home insurance claims come from damage caused by water. Water can get into your home in several ways. The two most important factors in determining if your water claim is covered, depends on what coverage you have purchased and how the water entered your home.

Most homeowners’ policies automatically cover claims caused by the sudden and accidental discharge or overflow from pipes, appliances, sinks and toilets. A burst pipe would also be included in this type of coverage assuming that a proper temperature was maintained, and it is not the result of faulty workmanship. You might also be covered for rain or melting ice coming in through the roof, damage from a fire sprinkler discharge, or water that a fire department uses to put out a fire.

However, there are two other coverages you can purchase to protect your home from water damage.

The first coverage to consider adding is water back up coverage which protects you from water that backs up into your home through a sewer or drain. This is one of the most common claims we see, and it is highly recommended you have this coverage. The water that comes in from sewers is often dirty and can not only cause damage to property but can also impact your health due to the water being unsanitary. This coverage is typically excluded on your policy unless you add an endorsement, and the cost can differ based on the total limit of coverage that you choose.

The second item you might want to purchase is flood insurance. For a loss to be covered under flood insurance, it generally must meet two requirements:

1. It must meet the definition of a flood, which is the general and temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties.
2. The damage must be caused by a natural source (i.e. river, lake, etc.) where the banks overflow during heavy rains or when the ground becomes over-saturated with water to the point it causes water to enter the home.

To obtain this coverage, a separate policy needs to be taken out by your agent through the National Flood Insurance Program. Rates for these policies can vary depending on how high risk your home is to flood damage and the amount of coverage you are seeking.

Contact your Hertvik Insurance agent with any questions you have about the various ways you might be able to upgrade your policy to increase your protection for claims caused by water.


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