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Does Homeowner’s Insurance Cover Water Damage?

Maybe you’re looking for an insurance policy for your San Antonio home, or perhaps you recently had a water damage incident and are looking for ways to pay to fix it. You’re probably asking yourself, “does homeowner’s insurance cover water damage in a San Antonio home? United Water Restoration Group of San Antonio is here to answer that question for you.

 

What Kinds of Water Damage Will Homeowner’s Insurance Cover?

Many homeowners insurance policies do cover water damage for sudden and accidental incidents. There are two major types of coverage that your policy likely has:

  • Dwelling coverage: This coverage only applies to structural damage to your home and other attached structures, like a garage.
  • Personal property coverage: This coverage only applies to damage to your belongings, like furniture and personal electronics.

 

Some incidents considered sudden and accidental water damage include:

  • Burst pipes due to weather or other accidents out of your control
  • Accidental appliance leaks
  • Water heater rupture
  • Weather-related water damage (except flooding)
  • Water damage from extinguishing a fire
  • Mold as a result of water damage

 

If your homeowner’s insurance will cover these expenses, you likely still have to meet your deductible before your insurance money kicks in. Your insurance may also have coverage limits, depending on how much you pay for your policy.

 

What Kinds of Water Damage Will Homeowners Insurance Not Cover?

These are some situations that typical homeowners insurance won’t cover:

  • Burst pipes and other damage due to unresolved maintenance issues
  • Replacing or repairing sources of water damage, such as a broken appliance
  • Damage due to flooding
  • Damage from sewer backup

 

If your standard homeowner’s insurance doesn’t cover incidents that happen more frequently in your area due to weather conditions and climate, you’ll likely be required or recommended to purchase add-on policies for those incidents. Some add-on policies you might consider include flood insurance and sewer and drain backup insurance.

 

Working With Your Insurance to Take Care of Water Damage

When you work with United Water Restoration Group of San Antonio, we can help you answer that question: “Does my homeowner’s insurance cover water damage in San Antonio?” Call us at (830) 243-6060 today to find out how we can help you make the most of your water damage claim.

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