Water Damage Claim?
Water damage claims are the source of consternation for claimants. It’s probable that your policy doesn’t cover some types of water damage. It depends where the water came from and what caused it.
Where Did the Water Come From?
If the water came from above the ground, you’re probably covered under your regular policy. An example is a water comes in through a hole caused by a covered peril (like a tree falling on your roof in a windstorm). The resulting water damage is covered. If water came in from the ground outside the house, or below it, you could be out of luck unless you have a federal flood insurance policy. If the flood came from inside the house, then it depends on what caused it.
What Caused It?
Following are some causes of water damage and whether they’re covered.
- Washing machine overflowed: probably covered.
- Sump pump failed: you need a special provision on your policy for that.
- Water damage caused by ice dams: probably covered.
- Boiler broke down and flooded the basement: probably covered depending on how the boiler was maintained.
- Frozen pipes burst: probably covered if you’ve made every effort to maintain heat inside the building.
- Air conditioner leak from your attic: probably covered.
- Leak from an old roof: the interior damage is probably covered, the roof is not.
You get the idea – water damage is not black and white. Knowing the cause of the water damage and knowing what your policy covers are keys to putting in a good claim. Remember, just calling the insurance company about a claim puts a black mark on your record – even if the claim is denied. You’ll want to be sure about the claim before you call the company.
Contact Us Today!
Robert L. McCormack Public Adjusters offers many services and can truly help you throughout the entire life-cycle of a claim. Contact us today by sending us an email, or by giving us a call at 508.588.4243.