Homeowners often wonder if their insurance policy will pay for hidden water damage. This type of damage can appear slowly over time or suddenly due to a burst pipe or leaky roof. Since it’s not always visible, many homeowners may not even realize the problem until it becomes severe.
Sudden and Accidental Incidents vs. Slow and Gradual
Most homeowner insurance policies provide coverage for sudden and accidental water damage, such as broken pipes or leaky roofs. However, some policies may not cover gradual damage, which occurs over time due to wear and tear or neglect. Gradual damage can include issues like slow plumbing leaks or long-term roof deterioration.
What Is Hidden Water Damage?
Slow and gradual water damage is different from sudden accidents that insurance policies normally cover. Many home insurance policies categorize hidden water damage as gradual water damage, so it can be tricky to file claims for hidden water damage. Stay aware of musty odors, discoloration on walls or ceilings, and unexplainable dampness or moisture.
Source of Damage
If you can trace the damage back to an incident, such as a burst pipe or an electrical malfunction, your insurance policy may cover the damage. Keep in mind that your insurance provider may not cover gradual damage, such as natural deterioration. Promptly address any issues and regularly maintain your property to minimize the risk of extensive damage you’ll have to shell out to repair.
Some insurance policies offer additional coverage for hidden water damage. However, this protection may come at an extra cost. Carefully review your insurance policy and speak with a representative to ensure you have the best coverage for your home. Through this discussion, you can fully understand your water damage coverage.
Taking proactive measures to prevent water damage is always the best approach. Regular maintenance and inspections can help you detect issues early on, which can ultimately save you from costly repairs in the future. By addressing water damage risks, you can have peace of mind knowing you’re protecting your home.
Homeowners should be aware of their insurance coverage for hidden water damage. While you may have coverage for some incidents, gradual damage is typically more difficult to determine. If your insurance provider won’t cover you, get an AmeriClaims water damage claims adjuster on your side. We’ll help you get the coverage and compensation you’re entitled to, even if the water damage to your home is hiding under the floorboards.