If your home is subject to water damage, you can just file an insurance claim and everything will be all set. Right? Eh...maybe. Maybe not. Water damage claims are not as cut and dry as you would hope. Here's what you need to know.
Water damage is a common homeowner’s insurance claim. In our post about water alarms, we talked about sudden events (like pipe bursts) as well as harder-to-detect incidents (slow but steady leaks). The latter can be problematic for claims. Read on to find out why—and what you can do about it.
Why Would My Insurance Company Deny a Claim?
Insurance is designed to protect you from sudden, accidental damage. The key word in that sentence is “accidental.” Many insurance companies will deny claims for gradual damage because from their perspective, the episode took place over the long-term, was preventable, and reflects owner oversight. Let’s insert water damage into that rationale. Is it up to the homeowner to take preventative actions or notice leaks right away? Some insurance companies would say yes, and they may not be sympathetic to the notion of an undetected leak.
Review your policy to determine the specific wording, or call your insurance agent if it’s not clear. You may need to ask questions specific to water damage claims to get the answers you need.
Water Alarm Sensors
To err even further on the side of caution, you can install water alarm sensors at all potential problem areas, such as:
- Washers
- Water heaters
- Dishwashers
- Refrigerators (particularly those with ice makers)
- Sinks
- Showers/Tubs
- Toilets
You can place multiple sensors in areas of concern, too. In fact, if you have had a water damage issue and do succeed with an insurance claim, your insurance company might require water alarm installation.
Water alarms range in price and functionality, from audible alarms to mobile notifications if you’re away from home to automatic water supply shut off. Some systems can even integrate with your home security system.
Water Alarm Questions? Call Us.
We serve the 30-mile radius surrounding Charlotte. Give us a call at 704-846-5371 or use our online contact form to get more information on water alarms. We promise to take the time to assess your situation and help you determine the best solution for your home.
Article Summary
Quick question & answer: Why would my insurance company deny a water damage claim?
Your insurance could deny your water damage claim for gradual damage, because from their perspective, the episode took place over the long-term, was preventable, and reflects owner oversight. Insurance is designed to protect you from sudden, accidental damage. Review your policy to determine the specific wording, or call your insurance agent if it’s not clear.
