The old saying goes "April showers bring May flowers." However, those same showers can also bring something unwanted: water damage.
Rain that exceeds the capacity of storm sewers, sump systems, bodies of water and the ground's ability to absorb and hold water can cause big problems for your home, resulting in significant water damage and monetary costs.
Or you may have a leaky roof that leads to water seeping into your home.
Once this water enters your home, it has the potential to damage anything it comes in contact with, such as flooring, walls, insulation, framing, appliances and your furnishings.
If not addressed, this can lead to mold growth and wet rot.
Preventing roof leaks
A leaky roof can turn into a catastrophe. To ensure that unwanted rainwater doesn't seep into your house:
Preventing other water damage
Water damage coverage
Whether your homeowner's insurance covers water damage depends on the source of the water that caused the damage.
Under most standard home insurance policies, if water damage occurs suddenly or accidentally - such as a busted pipe or debris that tears a hole in your roof during a rainstorm - it will likely be covered by your insurance.
Roof leaks are covered by home insurance if the leak is caused by a covered - or named - peril. A peril is a situation or weather-related event that can damage your home and personal belongings, such as a fire or hailstorm.
Insurance companies agree to compensate you for any losses if your home is damaged by a covered peril.
For example, if a major windstorm blew a big section of shingles off your roof, and a subsequent rainstorm brought water into your attic through the leaky roof. The roof damage would be covered in this situation because the leak was caused by a windstorm, which is a covered peril under most policies.
Here are three instances in which your homeowner's policy will not provide coverage:
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An AssuredPartners Agency
In February 2020, The Friedman Group joined AssuredPartners, the 11th largest insurance brokerage in the U.S. This partnership provides us access to additional capital and a national footprint that enables us to continue to negotiate the most favorable coverage terms and conditions for our clients, and allows us to provide an even broader spectrum of risk management support services.