| Statistics show that most homeowner's insurance | | | | furnishings. However, if a sewer system backs up |
| claims are water damage related. Will insurance cover | | | | and floods your basement, it will typically not be |
| water damage? Unfortunately, the answer is not as | | | | covered. Many insurers offer an additional supplement |
| straightforward as we would like. A lot depends on | | | | to cover this type of water damage. |
| what caused the damage - leaky appliances, burst | | | | What if a heavy rain causes water to seep into your |
| pipes, or flood. It is best to read your insurance | | | | basement and foundation? Since water seepage is |
| policy carefully. But, listed below are some | | | | considered a maintenance issue, your policy will |
| overarching items seen in most policies. | | | | usually not cover the damages at all. This is the same |
| Pipes bursting are a common mishap in a home. If the | | | | for flooding. If a river overflows and floods your |
| home is occupied and heated, insurance will typically | | | | home, your policy will not cover the damages. The |
| cover the repair of the pipe, damaged furnishings, | | | | federal government has started issuing flood |
| and any other damage such as carpet and drywall. If | | | | insurance, which is a separate policy you must buy. |
| the home is unoccupied with no heat, such as a | | | | Review your homeowner's policy or speak to your |
| vacation home, then the claim could be denied. | | | | insurance agent if you have specific questions. It's |
| If a toilet backs up and floods your basement, this | | | | best to know the facts and not be taken by surprise |
| will generally be covered by your policy. It will cover | | | | in the unlikely event of a disaster. |
| water removal, drying, mold remediation, toilet, pipes, | | | | |