Flood insurance is a type of insurance that protects your property from damages caused by floodwater. Floods can cause severe damage to a property, and the cost of repairs can be staggering. Flood insurance covers damages caused by rising water levels, but what about damages caused by broken pipes?
In most cases, flood insurance does not cover damages caused by broken pipes. Broken pipes are considered a homeowner’s responsibility, and the homeowner’s insurance policy covers these damages. However, if the broken pipes cause a flood, then flood insurance may cover the damages caused by the floodwater.
What Flood Insurance Covers
It is essential to understand what flood insurance covers and does not. Flood insurance covers damages caused by natural disasters such as hurricanes, storms, and heavy rainfalls. It covers damages caused by rising water levels, including damages to your home’s foundation, walls, floors, and ceilings. Flood insurance also covers damages caused by debris carried by floodwater.
What to do if Your Pipes Break
If your pipes break and cause a flood, your flood insurance may cover damages caused by the floodwater. However, if the pipes break and cause damage to your home’s interior, then your homeowner’s insurance policy covers these damages. It is essential to check your insurance policies and understand what is covered and what is not.
If your pipes break, the first thing you should do is shut off the water supply. This will prevent further damage and give you time to assess the situation. Next, you should call a plumber to fix the broken pipes. After fixing the pipes, you should file a claim with your insurance company. The insurance company will send an adjuster to assess the damages and determine the amount of coverage.
Conclusion
Flood insurance does not cover damages caused by broken pipes. However, if the broken pipes cause a flood, flood insurance may cover damages caused by the floodwater. Understanding what your insurance policies cover and what they do not is essential. If your pipes break, you should shut off the water supply, call a plumber, and contact your insurance company to file a claim.
Stay Afloat with the Best Flood Insurance Coverage from Steve Wilk Insurance Agency!
If you have any questions about flood insurance or homeowner’s insurance, contact us at Steve Wilk Insurance Agency. Our team of experts can answer all your questions and help you find the best insurance coverage for your needs. Don’t wait until it’s too late. Contact us today and get the protection you need.
