What Does My Homeowners Insurance Cover?

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Understanding how your homeowners insurance will cover you.

As a homeowner, it’s important you understand exactly what your homeowners insurance will cover.  This way, you can evaluate whether you have enough coverage or if you need to secure more. To help you make informed coverage decisions, here’s what your home insurance will and will not cover when it comes to common perils.

Water Damage

When it comes to water damage, homeowners insurance covers certain types but not others. For instance, if the cause of water damage is sudden and accidental, then it will be covered by your insurance. For instance, if your washing machine suddenly broke down or a pipe suddenly burst, then your insurance would cover the water damage caused by this event, including the damage caused to your personal possessions.

However, your home insurance will not cover water damage if it is the result of your negligence. For instance, if you failed to maintain your water heater and it deteriorated to the point of breaking down, then you would not have coverage for subsequent water damage. This is because your insurer sees this damage as a result of your negligence rather than an unavoidable surprise. Additionally, your home policy specifically excludes coverage for the water damage caused by water backup and floods. You can secure coverage for these exclusions through policy endorsements and specialty flood policies, respectively.

Roof Leaks and Damages

Your home insurance will cover roof leaks depending on the cause of the leak. If the leak is the result of sudden, accidental events, then you have coverage. For instance, if your roof starts to leak due to falling trees, windstorms, hail, vandalism, or so on, then you will have coverage for repairs.

Roof leaks are not covered when they are the result of gradual deterioration and lack of maintenance. For instance, your home insurance will not offer coverage if a roof leak is caused by the following:

  • Age
  • Mold, fungus, or wet rot
  • Deterioration
  • Neglect
  • Inadequate maintenance
  • Birds, vermin, rodents, or insects

Termite Damage

Home insurance policies typically do not offer coverage for termite damages. However, you may have coverage if something sudden and accidental is caused by termites. For instance, if a portion of your home suddenly collapses due to termites that are completely hidden from view, then you might have coverage for the damages.

Other than that, termite damage usually isn’t covered because termite infestations do not come out of nowhere. Usually, the homeowner is aware of an infestation, and it is their responsibility to deal with it before their home sustains major damage.

Here’s what you need to know about the coverage offered by your home insurance.  Do you have additional questions about your homeowners policy? If so, then contact the experts at Udell Family Insurance. We are ready to assist you with all your home insurance needs today.

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