Coverage for a Flood in Your Home
Coming home to a burst pipe or water heater can be a very stressful and dangerous situation. Large amounts of water in your home cannot only destroy all of your personal property, but it can also cause damage to the electrical system in your home. Luckily, your homeowners’ insurance policy will most likely provide coverage in case of a burst pipe or water heater in your home.
While your homeowners insurance policy will not provide any coverage for a natural flood, it will typically provide coverage if the flood occurs from inside your home or an outside pipe that bursts. When you file a claim for water damage to your home from a burst pipe or water heater, you will have to prove that the water came from the pipe. You will also have to prove that the pipe or water heater was well maintained. If your insurance company finds that the flooding was due to a lack of maintenance, they will not provide coverage for the damage.
Your homeowners insurance policy will not provide protection if your pipes burst because they were not properly insulated from the cold. Your insurance company has the right to cite negligence for not providing the coverage. Even if your homeowner’s insurance providers do provide coverage for your assets that were damaged during the flood, they may not provide coverage for the pipe itself, leaving you to pay for the replacement of the pipe.
For all of your homeowners insurance needs and to ensure that you have the right amount of protection, contact the insurance professionals at Bob Wolfgram Insurance Agency in Waukesha, Wisconsin. We will work with you to make sure that you have the right amount of coverage in case of a burst pipe or water heater this winter.