Will my Insurance Cover Water Damage? Answers to Important Water Damage Questions

11/10/2021 (Permalink)

A lot of people have this question after an unexpected plumbing incident or water backup in Murfreesboro, TN. No one wants to have a pipe burst in their home or experience a sewage backup that ruins their day. Because these things usually happen unexpectedly, it’s a great idea to be prepared in advance to minimize damages. That’s why it’s important to be well-informed so that in the case of an emergency, you can respond knowledgeably to a situation.

In this article, we’ll go over some of the most common questions about whether or not your insurance will cover the costs of repairing water damage at your home or business, as well as how to best prepare in advance for this situation.

We also offer a free Emergency Response Plan to further protect your business in the case of an emergency.

Will my Insurance Cover Water Damage?

When you get unexpected water damage in your home, your insurance provider will likely cover it. The question is how much they are going to pay for and what do you have to be prepared for when it comes time to file a claim.

Homeowners insurance is meant to cover you in the case of unexpected water damage from events like a pipe burst, toilet overflow, damaged water heater, or other water damage events.

While lack of maintenance can affect your coverage in the case of an emergency, this is not a common issue and is easy to resolve by ensuring you check your main water systems at least once per year. Examples to check could be your water heater, water meter, dishwasher, fridge, HVAC drain, and/or leaky faucets, drains, or showerheads. And if your home has them, your septic tank and water softener would also be important maintenance candidates.

Is Water Damage an Emergency?

Yes, when there is a great enough flow of water from a clean or contaminated source, water damage can be one of the most common emergencies you may face in your home. Whether the water comes from heavy rainfall with wind, a sudden flood, roof damage, burst pipes or appliance lines, or even a sewage backup, a water damage problem can become a serious threat to your property's safety and value. Not only is the water itself a property damaging issue, but if allowed to remain for more than 24-48 hours, mold can begin to take hold. 

If you need immediate assistance, our team of trained technicians at SERVPRO of Rutherford County, we’ll make sure to leave your home "Like it never even happened."

Call us today at (615) 849-9794