Home insurance claims can be categorized in a few groups similar to auto insurance. Some risks are so prevalent that they are a category unto themselves. Lets talk Water claims on your Home Insurance Policy. Water is usually covered if it is sudden and accidental. Such as:
Bursting of a household water pipeline
Shingles blow off and the rain damages the interior
Some claims that are not covered are Flood, which is defined as surface water or overflow of a body of water including wind driven water. Also ground water that exerts pressure on a foundation.
Sump pump failure is an optional coverage that may be very helpful if you rely on a basement sump pump to control ground water around your home.
Second Leading Source of Water Claims is Toilet Failure. The average claim is $5584.00 after deductible.
Deferred Maintenance is NOT covered. If you have a leaky toilet seal. Fix it. These can be large claims and will usually NOT be covered. Home Insurance policies are not maintenance policies. Your policy covers specific losses as spelled out in the contract and are typically sudden and accidental in nature.
Consider periodically changing out the flexible supply lines that feed your toilet and sinks as well as clothes washer. Choose sturdy stainless steel Hoses.
Water losses can be health concerns due to mold growth. At CENTURY INSURANCE AGENCY we take water losses very serious. We want your claims to be covered and if they are excluded losses in the policy practice prevention.
If you would like to review your Home Insurance or Auto Insurance coverage please call. Our professional agents want to speak with you, 509-924-4424 or email Century Insurance Agency at email@example.com