Water Damage Insurance Policy Coverage

9/24/2015 (Permalink)

Water damage from leaking water pipe.

The Proper Coverage Makes a Difference To York County

The subject of water damage insurance coverage can be difficult to understand. You may find a number of answers that may be confusing when finding out what types of water damages in York County are covered by your homeowners insurance policy. Understanding your York County water damage insurance policy is essential so that you can take advantage of its benefits. Moreover, you can also take steps to prevent any water damages that are not covered in your homeowners insurance policy. Let's look at some of the coverage alternatives that you can find with your policy.

Water Damages That are Covered
One of the first things to remember is that homeowners insurance policies do not cover damages caused by floods. However, you will find other important coverage alternatives that you will need. If water damages are caused by rain that eventually caused a leak in the roof of your home, your policy will cover the damages. Another example can be a window that gets broken due to a storm and water begins to come into your house. Those who live in areas where winter storms generally hit hard can also take advantage of homeowners insurance. Many can benefit from an insurance policy when water damages are caused by melting snow that begins to seep into your house due to a winter storm.


Water Damages That are not Usually Covered
The easiest way to remember if you are covered on any particular water damage event is by knowing the cause of the water damage. Maintenance is important to keep your home safe and covered by homeowners insurance. You will not be covered by your insurance policy if poor or no home maintenance contributed to the water damages. An example would be if a pipe burst in your York County home because you never had your pipes inspected. You will also not be covered if you noticed a leak that never got fixed and worsened over time. Within time, this type of problem can result in mold, which can be very expensive to fix and won't be covered by your insurance policy.

Maintaining Your Home
When it comes to maintaining your home, the simplest details is what makes the biggest difference. The first thing that you can do is inspect the areas around your home. The ideal times to do your inspections are right before a season starts or after a season is over. One example is to inspect your gutters after the fall season so that you can prevent any clogs caused by falling leaves, which can end up causing a water leak that drips into your home. Another thing that you can do is inspect your roof. If you notice anything different in your roof's color or shape, make sure that you hire a professional to inspect it properly.

Proper Maintenance, Being Prepared and Great Results
By doing the proper maintenance on your home, you will be able to get the results that you want. Familiarizing yourself with your home's layout will also allow you to be prepared in case of an emergency. Remember to read your policy thoroughly so that you can make the right decision about investing in homeowners insurance. Make sure that you ask any questions regarding your water damage insurance policy, so you can understand the coverage alternatives much better.  

Water comes from everywhere and our certified technicians can clean and dry any flood better than its original state. Our technicians are highly trained and experienced with every  water damage situation. 

Need Water Damage or Flood Cleanup Services?
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SERVPRO of Rock Hill & York County is locally owned and operated—so we are part of this community too. We are also part of a national network of over 1,650 SERVPRO Franchises and special Disaster Recovery Teams strategically located throughout the country to respond to large scale disasters.