Does Homeowners Cover Water Damage?

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Homeowners insurance is a must have to protect yourself and your belongings from a catastrophic loss. But most homeowners have never filed a claim, nor do they know what is even covered. Generally, if the cause is sudden and accidental — if an appliance or bathroom fixture springs a leak or a storm blows a tree through your roof and rain pours in — the typical homeowners insurance policy covers resulting water damage. It will not fix the root cause, only the damage sustained from the loss. Example: If your roof leaks and you’re covered for such a loss, it’ll cover the ensuing damage but it won’t cover a new roof or a roof repair. Otherwise no one would ever get a new roof, they would just wait for their old roof to leak.

If the cause is gradual (over a long period of time, or what the insurance company deems as a long period of time), and preventable, including wear and tear or a lack of maintenance, then water damage is generally not covered by home insurance. For example, damage caused by a leak from a rusty old pipe or a roof with missing shingles that’s past its replacement age likely isn’t covered.  

Flooding and sewage backups are usually not covered, unless you have a separate flood and/or backup policy added to your insurance. Sump pumps need to have backup coverage and also need to be noted in your policy to have a claim covered if you have a sump pump failure. There are also coverage limits you’ll need to check as some backup policies can be as little as $5,000. The extra fees in monthly charges may be worth it as most water damage claims for sump pump backups with reconstruction can easily reach $10,000 and even higher for sewer loses.

Regular maintenance of your plumbing and appliances can help eliminate or decrease your chances for a flood. But in the event of water damage in your home or business, it is always better to know what you’ll be covered for and what is not covered. Consult with your agent about your coverage limits. In the event of a water loss, our 24 hour emergency service team at Mold Solutions & Inspections is at the ready and we can work directly with your insurance company if the event of a claim.

How to Inspect a Sump Pump

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How to Inspect a Sump Pump

A sump pump is a key component in your home that helps prevent ground- or rainwater from building up in your basement — pushing water out from under your home and helping to keep it away from the foundation. As with any other system or appliance in your home, a sump pump needs regular maintenance to help make sure its functioning properly.

Here are the five things a professional should examine during an annual inspection of a sump pump, according to InterNACHI:

  1. The alarm. Not all sump pumps have alarms that sound when the device is activated. If a sump pump has one, it should be tested to help ensure it functions.
  2. The check valve. A professional should make certain that there is a check valve on the discharge pipe. The check valve may help prevent water from flowing back down the discharge pipe after it is pumped out.
  3. A backup power source. Sump pumps often need to work during extreme weather conditions that may result in power outages. A professional may confirm there is a backup power source on a sump pump, such as a battery, and that it is working.
  4. The pit. A sump pump sits in a pit which gathers water until the pump removes it. The pit needs to be large enough — at least 24 inches deep and 18 inches wide — for the sump pump to function properly.
  5. The discharge location. The discharge location is recommended to be at least 20 feet from a home to help prevent water from draining onto neighboring properties, into public sewer systems or into a residential septic system.

A sump pump can be an important tool to help prevent excess ground- or rainwater from entering your home resulting in costly water damage and mold. But, as with any appliance or system, a little planning and regular maintenance is required to help ensure proper function.

How to Check For Water Damage

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!

Where is all that rain going?

Your roof and gutters form a key line of defense for your home – and in a storm, they’re vulnerable, because so many things can damage them. Trees, hail, and other objects can create weaknesses that might lead to leaks in your roof, so check for missing shingles and other issues. And keep your gutters clear so all that water drains properly.

Are you checking everywhere?

Water dripping from the ceiling is hard to miss. Water in your crawl space, however, can easily go undetected because hardly anyone ever checks there. Don’t forget to look down there after a storm (or have a professional do it) to make sure everything is nice and dry. If you do see moisture, you’ll want to get it out with a sump pump as soon as possible.

And don’t just look up – another place to check is your home’s exterior, whether it’s siding, brick, or another material. Weak spots can be hard to see, so look at various times of the day in different lighting conditions. Of course, you’ll want to make sure your doors and windows are properly sealed to keep the elements out, too.

What about around your property?

Storm water has to go somewhere, and if your property doesn’t drain well, or if runoff goes toward your foundation, you could have problems. So watch for patterns, and grade property so it drains away from your home if possible. Always be wary of hillsides and tilting trees after heavy storms, because the land might not be stable. And don’t forget to keep storm drains clear of leaves and other debris. This can prevent flooding both on the streets and your own property.

What should you do during the storm?

During powerful storms, stay inside. This is not the time to check your roof, your exterior, or your property unless there’s an emergency and you know it’s safe to go out. Monitor your interior, making sure no water is getting in. If it is, do what you can to alleviate the situation in the moment, even if it means just placing something under a leak to collect the water. For more serious problems, though, remember that safety is the most important thing. If your basement is flooding, for example, don’t go down there – you could be trapped and even drown.  And if electric lines are hot and compromised, it could lead to serious injuries.  

If water damage should occur in your home, give us a call today and our experienced and trained technicians will bring your home back to pre-loss conditions safely and quickly. You can also visit our site at WeAreMSI.com