Types of Water Damage TYPICALLY Covered by Insurance (unless exclusion or other policy limitation applies)
Insurance policies generally cover sudden and accidental water damage but exclude gradual damage or maintenance-related issues. The most common covered events include:
✅ Burst Pipes & Plumbing Failures – If a pipe bursts suddenly or a plumbing system malfunctions, your policy typically covers resulting damage.
✅ Appliance Leaks – Sudden leaks from water heaters, dishwashers, or washing machines may be covered.
✅ Roof Leaks (Storm-Related) – If a storm damages your roof, causing interior water damage, your policy may provide coverage.
✅ HVAC System Failures – Damage from air conditioning or heating system leaks may be included, depending on the policy.
✅ Accidental Overflows – Coverage often applies to accidental overflows from bathtubs, sinks, or toilets.
Common Exclusions
🚫 Flooding – Standard homeowners’ policies do not cover flood damage; a separate flood insurance policy is required.
🚫 Sewer Backup – Unless you have a specific endorsement, damage from sewer backups is typically excluded.
🚫 Negligence & Wear-and-Tear – Gradual leaks, poor maintenance, or long-term water exposure are often denied.
🚫 Mold Damage – While some policies offer limited mold coverage, most exclude it unless caused by a covered event.
🚫 Vacant and Rented properties can often have water damage exclusions or other limitations. Check the policy!
Steps to Filing a Water Damage Claim
1️⃣ Act Fast – Report the damage to your insurance company as soon as possible. Waiting too long can lead to claim denials.
2️⃣ Mitigate Further Damage – Take immediate steps to stop the water source and prevent additional loss, such as turning off water supply lines or using temporary tarps.
3️⃣ Document Everything – Take photos and videos of the damage before any cleanup. Keep receipts for emergency repairs or temporary housing costs.
4️⃣ Review Your Policy – Understand what’s covered under your policy, including limits, deductibles, and exclusions.
5️⃣ Work with an Adjuster – The insurance company will send an adjuster to assess the damage. Be prepared with estimates from contractors if necessary.
6️⃣ Negotiate If Needed – If you feel the settlement offer is too low, you have the right to dispute it. Consider working with a FairVantage expert to ensure a fair payout.
How FairVantage Helps You
Navigating a water damage claim can be overwhelming, especially if your insurance company underestimates your loss. At FairVantage, we:
✔️ Review your policy to ensure you understand your rights.
✔️ Help document damage thoroughly to maximize your claim.
✔️ Advocate for a fair settlement if the insurance company undervalues your loss.
✔️ Assist in dispute resolution, including appraisals and mediation.
