Home insurance and water damage

Water damage can affect your home in a number of unpleasant, and sometimes expensive ways. You might think that your home insurance would cover you in the event of any water damage incident, but in truth there are only certain circumstances in which an insurer will pay out on a water damages claim.

Here, we shall discuss some of the more common types of water damage that your property might sustain, and the circumstances under which you can expect to be compensated by your home insurance provider for these damages.

The majority of home owners insurance policies will not pay out in the event that the property is damaged due to a flood, but they will cover other types of water damage. For instance, they will generally pay for any water damage caused by a roof which becomes leaky, due to the breaking of a window or the blowing off of tiles during a thunderstorm or other extreme weather conditions.

If you sustain water damage due to a lack of essential maintenance, for example if a pipe in your property is leaking, causing damage over time, then you will not be entitled to claim, as most policies specify that it is the responsibility of the homeowner to keep the property wind and water tight, and all the plumbing and fixtures maintained.

It is important to take steps to remedy any water damage to your property as soon as you notice it. Even if a leak is not serious, it can cause mould to develop, which can cause further property damage and cause respiratory ailments such as asthma, bronchitis, and sinusitis.

If, however, the mould was caused by damage sustained during a storm, or another covered peril, then you may be able to claim for it as long as you have not left it too long.

It is important to be vigilant about checking to see if your property is water damaged in any way, as the longer you leave it, the less likely it is that you will be able to claim for it.

Unless mould damage is professionally removed, it can lead to further problems caused by the spreading of mould spores. So unless you are absolutely sure that you know how to dispose of it correctly, it is best to call in the professionals.

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