Navigating the ins and outs of home insurance can feel overwhelming, especially when understanding water damage coverage. At CO Insurance Specialist in Wheat Ridge, CO, we’re here to help clarify what types of water damage are typically covered by your home insurance policy and what might not be.

Covered Water Damage

Most standard home insurance policies cover sudden and accidental water damage, including events like burst pipes or a malfunctioning washing machine. If water damage occurs unexpectedly and requires immediate attention, it’s likely covered. However, it’s essential to review your specific policy details to ensure these scenarios are included.

Exclusions to Watch Out For

However, not all water damage is treated equally. Damage resulting from unresolved maintenance issues, like slow leaks or ongoing seepage, is usually not covered. Insurance companies expect homeowners to maintain their properties, and ignoring minor problems can lead to costly repairs that aren’t covered.

Floods and External Water Sources

One common misconception is that home insurance policies cover flood damage. Unfortunately, they generally do not. Flooding from natural events, such as heavy rain or rising rivers, requires separate flood insurance. It’s crucial to assess your home’s flood risk and consider additional coverage if necessary.

Clarifying Your Coverage

Understanding your policy can be tricky, but avoiding surprises is vital. Regularly reviewing your insurance documents and speaking with your agent can provide clarity. If you’re unsure about your current coverage, reach out for a detailed explanation.

At CO Insurance Specialist in Wheat Ridge, CO, we’re dedicated to helping you understand your policy. Contact us today to ensure you have the coverage you need to protect your home against water damage.