If My Home is Damaged By Water Does My Homeowners Insurance Cover It?

February 21, 2020

What water damage is covered differs - Let's simplify the answer!

Some types of water damage may be covered by some types of homeowners insurance programs.

Why so many “somes”?

Not all homeowners insurance policies are the same. And, not all types of water damage are covered by all homeowners insurance policies.

Let’s start by taking a look at the major types of homeowners policies available.

In terms of what types of losses are covered, homeowners policies generally fall into one of four types.

HO-1 (Basic)
HO-2 (Broad)
HO-3 (Special)
HO-5 (Comprehensive)

Each step up the types of insurance forms above, add certain types of “perils” to the list of losses they will cover.

The HO-3 (Special form) is one of the most prominent types of homeowners policy sold. The types of water losses covered by that policy would likely include losses such as:

Overflow of water from plumbing
Wind-driven rain
Freezing of plumbing
Bursting of hot water heating units
Ice Damming (water which freezes under roof shingles, thaws and damages the interior of the home).

Types of water losses that are not covered unless endorsed or purchased separately include:

Backup of sewers or drains
Seepage of water through basement/foundation walls
Flood

The above is not an exhaustive list.

It is also a reason for one to employ the services of an insurance professional who represents multiple insurance companies. Like us here at the Ryan Agencies! If you’re not in NY or PA, an Independent Insurance Agent is easy to find. A simple search using the term “ Find an Independent Insurance Agent Near Me ” will do the trick. Or, use the Trusted Choice Agent Finder. Engage a professional to help you secure the coverage needed for your unique circumstance.

Bottom line: Homeowners insurance may or can cover some types of water damage to your dwelling. Give us a call and we’d be glad to help.

Have more questions about your Homeowners insurance? We LOVE to help. Please call us today at 607-324-7500

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