What is water damage insurance? It’s the protection you get in case of accidental water damage in your home. This insurance policy can only be claimed when the damage occurs due to natural causes. Flood damage, for example, can be included in most water damage insurance. However, water damage caused by the homeowner’s negligence or lack of maintenance will not be covered in the water damage insurance.
When choosing an insurance policy, it’s always important to know its coverage. Otherwise, it can be difficult to file your claim.
Here are other types of water damage covered by this insurance policy.
1. Ground Water
It happens underground. Unlike most types of water damage, groundwater rises to the surface and causes damage to the house.
This type of water damage is optional. However, it can be helpful for homeowners who usually suffer from a sudden rise in water level in the area. Flooding from nearby water sources can cause problems in your home. Too much rainwater accumulated in a short period of time can make the underground seep into your basement.
2. Sewer Backup
This water damage happens when the sewer system suffers from dislocation, failure, or malfunction. When the sewer or septic backs up, dirty water will seep into your home from drains and pipes. This usually happens when too much snow or rain becomes too much for the sewer system of the community.
3. Overland Water
The most common type of water damage happens on the surface level. When it rains, you get water damage. When it snows, you get water damage. When the river overflows, you get massive water damage. Therefore, most homeowners have this type of water damage insurance. It protects them from a variety of calamities. Plus, it provides solutions such as flooding repair and restoration.
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Since 2007, Action Restoration Inc. has been helping homeowners recover from unexpected and catastrophic events. Fire, floods, storms, mold—we’ve seen it all. We take great pride in assisting our customers through a stressful time and getting them back to normal as soon as possible. We don’t just restore homes; we restore lives.