Unfortunately, many homeowners don't take the time to thoroughly read their insurance policy until after catastrophe hits. Broken pipes, flooded basements, and leaking appliances reveal the fine print for water damage situations, and some homeowners are shocked at what they find!
If your water pipes freeze and burst, your insurance company does technically cover the damages. However, if the house was unoccupied at the time of the accident there are some factors that may complicate the process. Did you leave the heat on high enough to prevent the pipes from freezing? If not, the company may claim you neglected the property and therefore, they won't cover water damage or pipe repair.
Swimming pool leaks pose an interesting scenario. If your pool leaks, causing your backyard and basement to flood, your home and the items within it are covered. Your yard, however, probably isn't.
It's laundry day and all of a sudden your washer decides to go on the fritz and dump water all over your basement! Is this covered under insurance? Typically, water damage caused by a washing machine leak is covered under your homeowner's insurance, but not the repair of the machine itself. The company often concludes that the washing machine was not kept in good repair, thus causing the accident. As the homeowner, you are responsible for purchasing any replacement parts and covering the fees for a mechanic to repair the machine.
If your water pipes freeze and burst, your insurance company does technically cover the damages. However, if the house was unoccupied at the time of the accident there are some factors that may complicate the process. Did you leave the heat on high enough to prevent the pipes from freezing? If not, the company may claim you neglected the property and therefore, they won't cover water damage or pipe repair.
Swimming pool leaks pose an interesting scenario. If your pool leaks, causing your backyard and basement to flood, your home and the items within it are covered. Your yard, however, probably isn't.
It's laundry day and all of a sudden your washer decides to go on the fritz and dump water all over your basement! Is this covered under insurance? Typically, water damage caused by a washing machine leak is covered under your homeowner's insurance, but not the repair of the machine itself. The company often concludes that the washing machine was not kept in good repair, thus causing the accident. As the homeowner, you are responsible for purchasing any replacement parts and covering the fees for a mechanic to repair the machine.