Water damage is one of the most common root causes of condo insurance cases, it’s essentially the second most recurring damage case. Water damage is second only to wind and hailstorm damage. With that in mind condo owners may ponder does insurance cover all types of water damage? Plus they may have numerous thoughts concerning what is covered in their insurance so they’re safe in any type of future water accidents
- Sudden or Accidental Discharge from a blockage in the plumbing
- Sewer Backup or Water Back Up
- Storm Related Water Damage
- Interior Water Damage from melting snow or ice through the roof
- Accidental discharge of water due to freezing pipes
What Types of Water Damages are Covered by Residential Property Insurance?
When it comes to water damage and what their property, condominium or renters insurance policy will certainly cover, there are a number of common queries individuals ask. On this page are one of the most typically asked queries:
1. Is water leakage covered by insurance policy?
2. Is a dripping commode covered by insurance policy?
3. Is water damage from a dripping roof covered by insurance policy?
In order to ascertain coverage the answer is the same for every one of these incidences – it depends on the source of the damage, the type of policy you have and if the damage was an accident, unexpected or continuous. Realize that your claim might be denied if the case occurred slowly over time, such problems are not normally covered even if your policy provides water damage insurance coverages.
How is Continuous Damage Defined?
When problems occur slowly over the course of time these are considered continuous problems. Think about it like paint chipping slowly off a wall, it starts with a small area and gradually more and more is slowly discovered to end up being a larger area and a larger issue. This is what continuous damage in a house is like. Another aspect to think about is repeated and sustained damage over time in conjunction with continuous damage. If you find yourself saying the declaration “Every time it rains, I begin to see water leaks” Then you probably do not have damage that is eligible for coverage from your insurance protection. And the bottom line is asking on your own, is this the first time I observed the problem? Or has it been taking place repeatedly in the past?
Continuous Water Damage in Your Property
Essentially we don’t see every one of the hidden areas of our houses, we only see the walls, the decorations and the furnishings. Actually our houses are much more than what we can see, they are full of pipelines, circuitry, air flow systems, etc. Beneath the surface your property is working hard working with several tasks.
It can be easy to forget about routine upkeep considering that a lot of what makes your crowning achievement is out of sight, out of mind. Without this normal maintenance nevertheless there could be problems occurring without your recognizing it. Normally we aren’t aware of these issues up until there is a structural issue or some type of physical proof. This is when most people attempt to make an insurance claim.
And regrettably when the damage isn’t sudden or unintended the claim is normally denied. That’s why routine maintenance and inspections into these hidden areas is so crucial. If you can stop it prior to it ends up being a larger issue normally your bill will not be as huge either.
Getting your public insurance adjuster involved in your case early can help you get paid fairly and prevent claim submission errors we frequently see in catastrophe circumstances. Don’t hesistate for your claim to be underpaid or denied. A public insurance adjuster is certified to represent your benefit, file damages, file and negotiate your claim with the insurance provider. Call us for a complimentary case review (414) 246-7841