Should lightning strike your home or other structure covered by your policy, the resulting damage, such as fire or smoke damage, is typically covered by homeowners insurance. Some policies also provide coverage for power surges and outages that are the result of a lightning strike, such as damaged electronics or appliances. As with any coverage, limits will apply. Check your policy or contact your agent to learn the types and amount of coverage it provides.
If your house sustains water damage during a weather event, a generous homeowner's insurance policy may cover your repair costs in certain circumstances. You'll probably need to show your claims adjuster that the damage occurred due to a defect in your home's construction. This line of reasoning might work to explain water seepage through a poorly-sealed window or weak point in the building's structure. It is less likely to be an adequate explanation for water that clearly entered the home through an open window or door.
Does My Homeowners Insurance Cover Water Damage?
In addition, certain types of water damage may not be covered under any policy. If you live in a low-lying area along an ocean, lake or river or your region is prone to natural flooding from an exterior source, there is a greater chance that you will need to carry a distinct flood insurance policy than someone who lives in a dry climate or an elevated area away from natural water sources. Keep in mind that flood insurance can be extremely expensive in flood-prone areas and in regions that regularly experience severe thunderstorms and hurricanes.
Does Homeowners Insurance Cover Gutter Damage?
As a homeowner it’s important to understand the policy you have taken out on your house, as well as how the maintenance of your house can affect both your policy and your home. Taking a look at your policy is a lot like looking at your gutters, you might be surprised by what you find. If you want help going over your policy, or getting a policy to cover your home, car, or business, please contact H & K Insurance. We’ll help you find the best insurance, at a price that won’t wreck your rainy day fund.
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Does homeowners insurance cover water damage caused by overflowing toilet?
No. Homeowners insurance does not provide coverage for routine expected plumbing maintenance issues. However, If you have "Accidental Water Discharge" coverage on your policy, then you will be covered for resulting damages from the overflow but not for the actual plumbing repairs needed. If you have damages that resulted from the overflow, once you have made the required plumbing repairs the company will invoke the damage coverage. If you do not make the necessary plumbing… Read More
Will Homeowners Insurance Cover Water Damage from Melting Snow?
A graduate of Oberlin College, Fraser Sherman began writing in 1981. Since then he's researched and written newspaper and magazine stories on city government, court cases, business, real estate and finance, the uses of new technologies and film history. Sherman has worked for more than a decade as a newspaper reporter, and his magazine articles have been published in "Newsweek," "Air & Space," "Backpacker" and "Boys' Life." Sherman is also the author of three film reference books, with a fourth currently under way.