Does Your Insurance Policy Cover Water Damage - part 3

There are various policies that cover the different types of water damage.

Homeowners and renters insurance can help with burst pipes, freezes, and wind-driven damages. Rain and ruptured sprinklers are also typically covered by standard homeowners policies.

Sewer and drain backups may be covered, but not always. If you check and see you are not covered, you can usually add a rider to your policy.

Water that comes from the bottom up, such as river flooding, is typically covered by a separate flood insurance policy.

Finally, depending on the state you are in, the most common and expensive result of untreated water damages, which is mold, may have limited or no coverage.

As always, quickly handling water damage issues is in your best interest, but it may also determine whether your insurance company will choose to cover.

Does Your Insurance Policy Cover Water Damage