Incurring water damage in your home is very frustrating. In Florida in particular, you are likely to face a number of sources of water damage. After a flood, hurricane, burst water pipe, or other disaster, you’re probably wondering if your insurance covers water damage claims in West Palm Beach. Here is what you need to know about water damage claims.
Does Homeowners Insurance Cover General Water Damage Claims in West Palm Beach?
Most homeowners insurance policies cover certain types of water damage. Unfortunately, this coverage area can get more complicated than is ideal.
In general, water damage is only covered by homeowners insurance if it occurs as a result of an internal source and happens suddenly. This means that gradual damage is not usually covered by homeowners insurance.
Some issues covered by water damage include storms, burst pipes, accidental appliance overflow, vandalism, and damage from extinguishing a fire. These causes are all accidental and are not the result of neglect or external flooding.
Flooding is not covered by homeowners insurance due to the existence of separate flood insurance policies. Flash flooding and storm surges are both considered types of flooding. This category does not include issues from inside your house like a burst pipe.
Does Homeowners Insurance Cover Hidden Water Damage Claims?
Hidden water damage is often considered to be a result of gradual water damage, so it is frequently not covered by homeowners insurance. This might include situations like pipe backups, neglected pipes, and seepage from outside.
Mold can result from water damage, and this can be bad for your own health as well as the health of your home. If you encounter mold damage as a result of water damage, your policy will likely only cover it if the policy covers that type of water damage. Often, the insurance policy will cover a certain amount of mold damage.
Who Can Help Me With My Water Damage Claims Near Palm Beach?
Contact Darryl Davis & Associates for help with your water damage claims in West Palm Beach. Our goal is to help you understand water damage insurance claims so that you are properly reimbursed. Call us today at 954-709-3982 to make an appointment!