Does My Homeowner’s Insurance Cover Water Damage Restoration?
Water damage is one of the most common and costly issues homeowners face. A burst pipe, a leaking roof, or even a natural disaster can cause significant damage to your property, leaving you with extensive cleanup and repair costs. Understanding whether your homeowner’s insurance covers water damage restoration is critical to protecting your home and financial stability. While most insurance policies offer some level of coverage for water damage, the specifics depend on the type of policy you have, the source of the damage, and any exclusions or limitations outlined in your contract. Understanding Water Damage and Insurance Coverage Water damage can occur from various sources, including: Plumbing failures: Burst pipes, overflowing sinks, or malfunctioning appliances. Weather-related incidents: Heavy rainstorms, melting snow, or ice dams on your roof. Accidental leaks: Such as a washing machine hose suddenly breaking. Each scenario may be treated differently under your homeowner...