When it comes to homeowner's issuance, some people assume that their insurance provider will address any type of damage that occurs in their home. The reality is that there will be types of damage that will be covered and other that will be disallowed from the policy. Knowing this beforehand would make it easier for you to prepare yourself in the event of a calamity in your house. One of the more common types of damage that homeowners face is water damage. This is because plumbing will succumb to disrepair at one time or another. So what are some of the forms of water damage you should ensure are covered in your homeowner's insurance?

Pipes that have frozen

If you do not adequately winterize your plumbing, you may have to contend with frozen pipes. Frozen pipes are a serious problem because if they are left unchecked, they could end up bursting. This then poses the risk of extensive water damage in your home, which could end up compromising the overall structure of your home. It is, therefore, crucial to ensure that your homeowner's insurance protects you from this as frozen and burst pipes can happen to anybody.

Overflowing water in the home

Another cause of water damage in the home that you should be wary of when seeking an insurance cover would be overflowing water. Water overflow can happen due to various reasons. Most commonly, this will happen when people forget to properly shut off a tap and their house becomes flooded. However, overflowing water would also occur due to damaged pipes, which eventually burst due to their compromised structural integrity. The part of the home that would become most affected due to overflowing water is the flooring. This is especially true if you have timber flooring or laminate flooring. Your insurance provider should be able to have this water eliminated as well as replace any damaged flooring before mould can set in. It should be noted that if overflowing water becomes a chronic problem in your home, it may be disallowed from your homeowner's insurance. This is because it would be indicative of another underlying problem that you will have to address.

Sewerage in your home

Sewer water in your home is a problem that should be fixed as soon as you spot any signs. This typically occurs when there is a clog in your main sewer lines, leading to the sewerage being backed up into the home. The blocked drains redirecting the sewage into the residence a health hazard and should be covered by your homeowner's insurance.

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