3 Areas of Coverage To Check For If a Pipe Bursts in Your Home

3/18/2018 (Permalink)

If broken or leaky pipes flood your home in South Oceanside, CA the last thing you likely want to worry about is whether or not the incident is covered by your insurance. The answer usually depends on the situation. Some cases may be covered by homeowner’s insurance while others may not, so it is often important to know what to look for in your policy. Three places to start include clauses covering property coverage, additional living expenses, and dwelling coverage.

1. Property Coverage

When a flood in your home is caused by burst pipes, personal property such as furniture, clothing, jewelry, electronics, and other belongings can be damaged. These items, though, are likely covered under your homeowner’s insurance coverage.

2. Additional Living Expenses

Living expenses can often be the last thing on your mind if you are focused on how to fix broken pipes, but an incident like this can displace you from your home. Expenses including hotel rooms, meals, and travel can add up; the additional living expense coverage included in your insurance policy may protect you against these, though.

3. Dwelling Coverage

Floorboards, walls, and building structures can all be damaged should a pipe burst or leak in your home. This kind of damage and the costs required to repair it can be covered by the dwelling coverage that is included in your insurance policy.

While it is usually good to know where your insurance covers you, always make sure to stay on top of pipe maintenance in your home. In some cases, insurance companies may not cover any damage that occurs as a result of negligence. It can be important to replace old pipes, properly insulate pipes in cold weather, and check often for leaks or damage. Not only can this help to prevent a burst pipe or flood in the first place, but it can also help to make sure you are covered if something does happen. Visit http://www.SERVPROfallbrooksouthoceanside.com for more information on water damage.