How Might My Homeowners Insurance Deal with Water Damage to My Home?

Water damage can be caused by many things and it can affect even properties that are meticulously maintained. While most homeowner insurance policies do provide a certain coverage for home water damage, standard policies do not cover for all types of damage – here is what you should know:

–        The duties of the homeowner – the duties of the owners of insured properties include regular maintenance of all the systems on the property. Neglecting these duties might void the insurance coverage for water damage as well as for the other forms of damage sustained by the property. Most homeowners’ policies make it very clear that they do not cover for gradual water damage, as these issues are usually caused by long-neglected leaks in pipes or roofs;

–        Accidents that are not caused by neglect – homeowners insurance policies usually cover for sudden or accidental damage, such as burst taps or pipes;

–        Damage caused by natural disasters – some insurance policies do not cover for the damage caused by forces of nature, such as storms of floods or sewer overflows. However, policies are available for this type of damage as well, but usually in the form of additional insurance that you will need to pay extra for.water damage restoration Fort Collins

It is in your best interest to verify your insurance coverages with your insurance agent. They will best be able to answer questions regarding what is or is not covered under your particular policy. If your home is subjected to water damages, fully licensed and insured water damage restoration Fort Collins contractors can work with your insurance company, are available 24/7 for emergencies, and will provide you with some of the best restoration services in the area.

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