Water damage is one of the most common reasons people make claims on their Ohio home insurance. Ruptured pipes, faulty appliances and backed-up drains often lead policyholders to inspect their homeowner policy wording carefully.
Water damage coverage in the homeowner insurance policy is a confusing subject. The two frequently paid types of claims for water damage are: leakage from an appliance or piping and water backup.
Here's several examples of water damage that can occur from appliances within your home (and we've paid claims on):
- Your washer hose breaks and water collects in your utility room
- Your water heater malfunctions letting loose its contents all over your floor
- A pipe bursts behind a wall
Usually, the damage caused by water will be covered, but the item causing the loss, such as a leaky pipe or broken appliance hose, will not be covered. So in the first example, the damage caused by the washer hose breaking will be paid for. It's your responsibility to replace the hose (in this case, that's the LEAST of your worries).
In the second example, the cleanup and damage repair from the water heater will be covered. Any repair work on the water heater (including its replacement if necessary) is your expense.
And for the last one, the damage caused by the burst pipe is covered, but the replacement of the pipe itself comes out of your wallet.
Parts and appliances wear out and it is not the intent of an insurance policy to cover wear and tear. However, if a sudden unforeseen covered cause of loss, such as a frozen pipe, leads to water damage, the pipe repair and the resulting water damage will be covered.
It's important to note, that for most situations, the damage caused is far more costly than the the appliance or plumbing fixture repair or replacement.
Then there's water backup
Water backup, however, comes from water actually backing up via a drain, sewage system or failure of a sump pump. You can read a more detailed post written previously- "Warning: Water Backup Claims Can Happen Anywhere in Your Home." It's important to note that water backup as described is NOT covered in an Ohio home policy. You can purchase coverage for it, though, and it can be added onto your home policy.
Alan Galvez Insurance is a specialist in Ohio home insurance. To discuss yours, give us a call at (937) 592-4871 or visit our home insurance page for more information.