Home insurance and water damage

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Water damage can affect your home in a number of unpleasant, and sometimes expensive ways. You might think that your home insurance would cover you in the event of any water damage incident, but in truth there are only certain circumstances in which an insurer will pay out on a water damages claim.

In this article, we shall go over some of the circumstances in which your property could become damaged by water, and which of these you can expect the insurance company to pay for.

Unless your home owners insurance policy specifically states that it will pay out in the event of damage caused by a flood, then the chances are that they will not, as flood damage is usually not covered as standard as part of most insurance policies.

However, if you have sustained water damage due to a pipe leaking in your house, causing damage over a period of time, then you will most likely not be covered, as it is your duty to ensure that all the plumbing and fixtures in your home are maintained. If you are unsure as to what exactly is covered by your insurance policy, check the exact wording of your policy documents.

You should take steps to fix any water related problems in your property as soon as you suspect them, as mould can develop in damp surfaces, which can cause damage to your property and lead to respiratory problems, such as runny noses and asthma attacks.

If mould damage was caused by a covered peril, such as storm damage, you would be able to claim for it, but if it was caused by a lack of maintenance on your part, you would not be covered.

It is important to be vigilant about checking to see if your property is water damaged in any way, as the longer you leave it, the less likely it is that you will be able to claim for it.

If mould is not disposed of in the correct way, it can lead to the spreading of mould spores, which can be damaging to property and health, so always get professional cleaners in to clean up mould damage unless you absolutely know what you are doing.

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