What type of water damage does my home insurance policy cover me for?
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Posted On :
Jul-09-2009
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Article Word Count :
358
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Water damage can affect your home in a number of unpleasant, and sometimes expensive ways.
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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.
Most home owners insurance policies will not cover your home against flood damage unless flood has been specified in the policy as a covered peril. However, if water should get in to your property during a storm, and your policy covers you in the event of a storm, then you will be entitled to claim.
Also, if you have sustained any water damage that could have been prevented by regular checks on the condition of the plumbing in your home, then you will not be covered, as home maintenance is the responsibility of the home owner.
It is important to take steps to remedy any water damage to your property as soon as you notice it. Even if a leak is not serious, it can cause mould to develop, which can cause further property damage and cause respiratory ailments such as asthma, bronchitis, and sinusitis.
You may be able to claim for mould damage if you can prove it was caused by a covered peril, for instance, if it was caused by a leak that developed during a storm.
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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Article Source :
http://www.articleseen.com/Article_What type of water damage does my home insurance policy cover me for? _1642.aspx
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Author Resource :
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Keywords :
travel insurance,
Category :
Finance
:
Insurance
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