As a homeowner it is important to know what is covered and what is not covered within your insurance policy. The most commonly reported claims are water related, but only specific water leaks may be covered. Any leaks caused by the insured’s negligence would not be a covered peril. As a homeowner, it is your duty to check on all fixtures and pipes in the dwelling and to properly maintain them, as slow water leakage of a pipe would not be a covered on a home insurance policy. On the contrary a leak in a pipe that is “sudden and accidental” would be a covered peril, but keep in mind that the carrier will not pay for the pipe to be repaired but only the resulting damage the water caused to your property.
Determining Your Coverage
To correctly determine the severity and longevity of the water leak, an investigation would be performed in the manner of a leak detection company inspecting the damage and also the amount of mold that has accrued from the leak. If the leak is intermittent and ongoing and the amount of mold is significant and has spread, more than likely the claim will be denied due to lack of maintenance from the homeowner.
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Preventing Extensive Water Damage
- -Periodically check under your sink to see if the hose connection to the water supply line is secure and not leaking, also check around the base of your dishwasher for evidence of leaks.
- -Ice-makers on refrigerators; be sure to also check the hose connection and to be sure it is securely attached.
- -Replace your washing machine hoses; this is a fairly easy task.
- -Know where the main shut off valve is located and check it frequently to assure it is operational.
Reporting Your Claim
It is essential to know that slow water leaks are not covered by your homeowners insurance policy, only those of a sudden an accidental leak. A slow pinhole leak, a dripping ice-maker or even a leaky toilet would typically not be covered under a homeowners insurance policy. If you find any evidence of a water leak, be sure to report it to the carrier as soon as possible. As mentioned above, water claims are the most commonly reported, so to help avoid a denied claim, it is imperative for the homeowner to properly maintain all pipes, appliances and water systems in their home.