It isn’t uncommon for homes in Florida and throughout the country to experience water damage. However, even if you have homeowners insurance, there is no guarantee that your policy will cover the cost of repairs made to your property. Let’s take a look at the types of damage a homeowners policy may cover and what to know when making an insurance claim.
You won’t get reimbursed for gradual damage
Let’s say that you failed to fix a broken pipe, crack in the foundation or a rotting section of your home’s roof in a timely manner. If water damage occurs because you failed to make necessary repairs, your insurance company would likely deny your claim. An exception may be made if gradual damage to a home was the result of a covered loss. For instance, if a tree fell on your roof and created a pathway for water to enter the home, your insurance policy would possibly cover any resulting gradual damage.
Sudden damage might be covered
There is a chance that an appliance such as a washing machine may break and allow water to flood into your home’s basement. While you would have to cover the cost of repairing the appliance, you may be able to make a claim for other damage resulting from the unexpected malfunction.
What to do when making a water damage claim
Prior to submitting a claim, it is a good idea to read your policy to determine if any losses are actually covered. Your insurance agent may be able to answer any questions that you have about your policy or what you need to send with your claim. If your request for payment is denied, your insurance provider is required to provide a detailed explanation as to why this happened.
An attorney may be able to help you figure out why your insurance claim has been denied and potentially help you get that decision reversed. This may be done through private settlement talks or by taking your insurance company to court.