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Homeowner Insurance and Water Damage


  Oct 28 2019

Homeowner Insurance and Water Damage

Water damage is one of the leading causes of insurance claims but it may be rejected due to the homeowner’s negligence or failure to abide by the rules. Therefore, as a homeowner, it’s vital to understand the coverage of your particular policy when water damage strikes.

Knowing this upfront can even help you revisit your home maintenance schedule and make amendments where necessary. Nothing hurts more than being denied a claim as a result of “gradual damage” due to poor maintenance and repairs.

At Tidal Wave Response, we have experienced professionals that can assist you with insurance claims. We also offer emergency and professional water damage restoration services that you can count on. You don’t have to panic, just contact us the moment you need a reliable fire damage restoration contractor.

Causes of Water Damage

Water damage can happen as a result of heavy rainfall, flood, leaky toilet or plumbing fixture, faulty home appliance, or any other number of reasons. In most cases, what starts as a minor water issue can escalate into repairs costing thousands of dollars.

For instance, a leaking refrigerator may continue seeping water into your flooring and basement for a couple of months before you notice. A situation like this can damage property and many components of your home.

What your homeowner insurance will cover?

Your insurance policy should cover for sudden damages. For example, when your water heater bursts unexpectedly, spread water everywhere, and this soaks your wall, ceiling, or flooring, then you may get a cover.

Also, your policy may cover water damage caused by sleet, ice, or snow. However, it’s important to note that you’ll have to pay deductibles before your policy can cover anything. You may want to learn how to calculate your monthly deductibles. 

What your homeowner insurance will not cover?

Generally, a home insurance policy will not pay for water damage that is caused by gradual damage or poor maintenance. For example, a leaky or faulty plumbing fixture that results in water damage is usually not part of a home insurance cover. Likewise, water seepage into your home from cracks in the foundation won’t be covered.

Your insurance company may also reject your claim if water seepage from your washing machine or overflowing bathtub causes water damage. Therefore, ensure to periodically access the condition of your appliances that can cause water damage.

Flooding is another case. If your home is situated along a flood-prone area, homeowner policy won’t cover in case of water intrusion and damage. You will have to purchase a separate flood policy. Contact your county assessor to determine if you are on a flood zone suppose you haven’t done this when you first build or acquire your home.

The Bottom Line

It’s best to contact your insurance agent for clarification on insurance policy terms. The best time to do this is before the water damage. Understanding the terms and how your insurance company defines them will help you know when and when not to file for a claim.

For professional assistance regarding water damage insurance claims, connect with professionals at Tidal Wave Response for expert consultation today. We also offer dependable and efficient water damage restoration services at a moment’s notice.

Tidal Wave response
Rated 4.8 out of 5 based on 202 ratings and reviews.

15-25 Minute Response
Our Five-step Water & Fire Restoration Process:
  • Inspection and assessment
  • Protect your property from further damage
  • Water damage remediation
  • Smoke and soot removal
  • Restoration of the property



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    Tidal Wave Accepts All Insurance Claims. Call Us Before Calling Your Insurance Company to Get Your Loss Covered With Us.

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    When Tidal Wave assists you in submitting your claim, the coverage amount is GUARANTEED or WE PAY THE DIFFERENCE!

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    Get $50 off your water damage repairs. Excludes insurance claims. Call us now to schedule emergency damage restoration services.

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24/7 Emergency Water, Fire, Smoke, Toilet, Sewage Backup Damage Restoration & Reconstruction Services in Atlanta, GA. 15-25 Minutes Response Time. Call or Email us to Schedule Emergecny Damage Restoration & Water Removal Services.

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Tidal Wave Response

Need Help Restoring Your Property After a Flood or Fire? Call Tidal Wave Today. Are you in need of professional restoration services following a flood, fire or natural disaster? Then call the experts at Tidal Wave. Our team of highly trained technicians are ready to help for water, fire, smoke, sewage, toilet backup, cleaning, damage restoration and removal in Atlanta, Roswell, Alpharetta, Sandy Springs, Marietta, Dunwoody, Kennesaw, Lawrenceville, Cumming, Lilburn, Buckhead, Brookhave, GA and all nearby locations.

Tidal Wave Response
678-846-3075

3924 Green Industrial Way
    Chamblee, GA 30341
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