Does San Diego Homeowner’s Insurance Cover Water Damage?
With the constant threat of El Nino storms in the San Diego news news nonstop, residents are very concerned about the possibility of water damage to their homes. Whether the damage comes from excess rainwater, or a consequent plumbing issue, such as a broken pipe or a leaky roof, there is no time like the present to investigate what your homeowner’s insurance may or may not cover.
Take the time now while your home is still comfortably dry to review your benefits. Finding this information when you are displaced, distraught, and struggling with the aftereffects of severe water damage can be a challenge.
In the event of a flood…
The truth is that the standard homeowner’s insurance does not cover flood damage. Homeowners need to open a separate flood insurance policy that covers surging water from a natural disaster (such as El Nino).
The Insurance Information Network of California (IINC) defines water damage in a typical homeowner’s insurance policy as that which affects your house before the water touches the ground. Most homeowner’s insurance coverages do cover discharges from accidental water or steam, as well as an overflow of water from appliances, air-conditioning and heating units, and fire sprinkler systems.
Be careful, however…
As a responsible homeowner, you still need to be careful, however. The following water damage issues are generally NOT covered by the average homeowner’s insurance plan:
- Sewer/drainage backup: Believe it or not, a standard homeowner’s policy does not cover damage from water that backs up into your home because of an outside drain or sewer. It is possible to purchase the additional sewer backup coverage, though.
- Unresolved maintenance: If your home gets damaged because you neglected to correct an ongoing plumbing issue, such as a leaky faucet, then your homeowner’s insurance will not cover the cost for repairs.
- The underlying cause of the water damage: If your kitchen floor was damaged because of a faulty dishwasher, then yes, the average homeowner’s insurance should cover the cost. However, the insurance will not cover the cost for the cause of the damage, namely, the dishwasher itself. The homeowner will need to pay for the appliance’s repair and/or replacement.
Beware of Policy Renewal Problems Due to Water Damage Claims…
Did you know that up to a third of Californians are denied renewals of their homeowner’s insurance if they file too many water damage claims in a three year period? This is because water damage has the risk of becoming an ongoing costly problem, resulting in mold, health issues and more. This is why regular maintenance and care for your home’s plumbing system is so important.
Award-winning Perry Plumbing Heating & Air Stops Water Damage from Occurring
Now that you know the average homeowner’s insurance does not cover costs for ongoing/unresolved plumbing issues, the time to resolve those neglected plumbing predicaments is now. Do it before those plumbing problems turn into painstaking permanent devastation to your home. Why take the risk of your home’s resulting water damage not being covered by your insurance? Contact Perry Plumbing today at 619-472-2112, or visit our website at www.perryplumbing.com and a qualified technician will remedy all of your plumbing concerns. You can even use our everyday plumbing discounts to save money. We invite you to read up on our 5-Star Google Plus and Yelp reviews to see how your San Diego neighbors are raving about our high quality work and friendly service.