Water damage can have many causes. As a homeowner in the Shelton, CT area, it’s a good idea to know what is covered by your insurance and what is not. While any type of water damage must be repaired quickly to prevent the growth of mold and bacteria, having it covered by your insurance will make the process go must faster. The agents of Goodman Insurance Inc. can help you figure out what your insurance covers and how to file a claim.
Frozen/Burst Water Pipes
The damage caused by frozen or burst pipes is normally covered by homeowners’ insurance policies. This is usually not a preventable event. The extent of the damage will be determined by how quickly the burst pipe is found and the problem is taken care of.
Faulty plumbing can also lead to water damage. In many instances, a leak or other issue may not be noticed until extensive damage has occurred. Inspecting your plumbing regularly will give you an opportunity to discover problems with faulty plumbing early and prevent water damage.
What’s Not Covered
There are several types of water damage that are not covered by homeowners’ insurance. While water damage caused by strong storms is covered, flood and hurricane damage is not. Those require separate policies. Sewer back-ups are also not covered by many homeowners’ policies.
In Shelton, CT, the agents of Goodman Insurance Inc.can help homeowners go over their policies to determine what types of water damage are covered and which ones are their responsibility. Understanding what a policy includes is important when trying to protect your home. Contact an agent today for and schedule a policy review!