Yes, flood insurance covers water damage to your property that is caused from outside your home. In standard homeowner insurance, most homeowners insurance covers water damage that is caused from within the home.
For any homeowner water, main lakes can be a nightmare. Those areas with aging infrastructure are specifically susceptible to these leaks that can cause serious damage to your house. Those water mains that are constructed by using no longer up-to-date materials are more likely to leak. The Environmental Protection Agency EPA estimates that there are almost more than 200,000 water main leaks in the US every year. These types of leaks are very difficult to find out and can cause huge damage to your home if they’re left unchecked. This is not only a large waste of resources but it can also cause a huge increase in your water bill. In case you're facing a water main break or any other plumbing issue contact the professional team at Rood Arkansas. We are here to help you every time. The licensed plumber is very experienced in various types of plumbing repairs that also includes water main leaks.
What does homeowner insurance cover while dealing with water damage?
Most of the standard homeowner's insurance covers water damage that comes out from within the home. This includes water damage from appliances, faulty plumbing, and HVAC systems. Examples of these types of accidental occurrences are blasts in your bathroom or kitchen. If you talk about none other than standard homeowners insurance, there can also be water backup coverage.
This type of optional coverage is very important to have. For example if you have sewer line backup and water starts spilling in your home, you will be very happy that you have water backup coverage it will take care of any restoration, damage, and extra living expenses that are connected to your claim. In case you do not have any insurance coverage then in case of any problem, you must have taken professional help from plumbing experts. Plumbing experts in Arkansas can provide great services at your doorstep.
Does traditional homeowners insurance cover water main leak
While most of the homeowner's policies cover water damage but there can be some exceptions depending on the reason for the leak. In case the source of the leak is from outside of your home, for example on public land then it may not be covered in traditional homeowner’s insurance policy. For example, if a tree root grows into and results in breaking your water mean that would likely not be covered in insurance. It is always the best option that you must check with your insurance agent to see what is included in your insurance policy or what is not. The insurance agent can help you in identifying that if you need to purchase more coverage to protect your home from main water leaks and other plumbing issues. In our organization, we understand the inconvenience and frustration that a broken water main can cause. We are also providing emergency plumbing services to help our customers in resolving problems as quickly as possible.
Flood insurance also covers water damage to your property that is caused from outside your house. This also includes water damage caused by broken water main and flood. All the damage by flood is covered directly by flood insurance. Flood is defined by national flood insurance program NFIP as,
Huge water on land which is normally dry and affects two or more acres of land out of 2 or more properties.
We also recommend that you should add flood insurance to your homeowner's insurance policy if you live in an area that is susceptible to flooding. Even if you are not in a high-risk area then it's still a very good idea to have this coverage because floods can happen anywhere at any time.
All the insurance companies differ in what they cover and how much they charge for their services. Before purchasing one policy you must compare different insurance policies. You can also talk to your agent so that you can get better options and you can choose wisely.
If you have a water main break the first thing you have to do is to turn off the water to your home. This will help in minimizing any other damage to your house then you should contact the power company so that we can help you assess the damage and repair the problem.
All we know is that it is very stressful to deal with broken water means that’s why our company is helping you every step of the way.