If you own a home in the Phoenix area, you probably have it insured. It’s important to know what your insurance policy does and doesn’t cover. One thing that often confuses homeowners about their policies is coverage for water damage in Phoenix. It is one of the most misunderstood parts about homeowners insurance. Here are some things to remember about your policy when it comes to water.
Most homeowners policies will cover water damage that occurs inside your home if it comes from some sudden issue, such as a burst pipe or an accidental overflow. The key is that it has to be from something that is unusual and that couldn’t have been taken care of with routine maintenance. For example, if you have water damage because your toilet has had a small leak for a year, your insurer likely won’t cover it.
You also are covered from water damage that occurs inside your home that’s caused because there is other damage to your home. For example, if a tornado rips off your roof and your home is inundated with torrential rain, the damage would be covered. You also are covered from water damage that’s caused from fighting a fire.
There are two types of water damage your policy generally won’t cover. One is damage caused by an external flood. Whether it’s from a flash flood or water seeping into your home gradually due to heavy rain, your homeowners policy won’t cover it. Your policy also won’t cover water damage that’s caused by a lack of maintenance. A poorly maintained pipe leaking is something that your insurer won’t cover either.
If you do find yourself with water damage in your Phoenix home, it’s imperative that you get it cleaned up and have any damage fixed as soon as possible to prevent mold growth.