22/02/2021 0 Comments
Understanding the Different Types of Water Damage
Water damage can cause serious structural issues to your property and pose a considerable health risk to you and your family. Here’s what you need to know about the three main types of water damage you may have to deal with and how they relate to insurance claims.
1. Sewer and water backup damage
A backup occurs when wastewater is forced back up through your pipes. This is often the cause of considerable destruction and mess. A sewer backup can cause thousands of dollars in damage as well as serious health risks due to the presence of contaminants in the water.
The main causes of water backing up through your plumbing are a blockage in a city sewer main, worn or damaged pipes, tree roots blocking your property’s main sewer line or a problem with the city’s water supply.
Finally, note that water backup damage isn’t included in every home insurance policy, so find out if yours includes it.
2. Overflow and discharge damage
A sudden overflow from an appliance or plumbing breakdown is typically covered by the standard home insurance policy. This type of damage often occurs because of a damaged pipe or fixture or a poorly installed appliance. This is one of the most common types of water damage, especially in places where low temperatures can cause pipes to burst.
However, it’s crucial to note that in order for it to be covered by your insurer, the type of damage has to be sudden and accidental. Any claim for water damage caused by a discharge due to long-term wear or poor maintenance could be denied.
3. Flood damage
Flood damage may seem like a fairly self-explanatory category, but in fact, it’s a little more complicated than you may think. Most forms of water damage can cause rooms to become flooded with water. However, in terms of insurance claims, flood damage occurs when a body of water overflows and causes water to enter your home. If this isn’t the cause of your water damage incident, then you’re not dealing with a flood claim.
One way to tell is if other homes in the area are affected. If they are, chances are there was, indeed, a flood.
Note that this type of damage isn’t usually covered by a standard policy. However, you may be able to purchase additional coverage for it.