With the last wave of extreme winter weather coming to an end, snow is finally melting everywhere. As we get ready for spring, we need to make sure that our houses are safe from melting snow and possible flooding. Understanding what is excluded from your insurance policy can help you prevent it from happening and make a decision on whether you need extra coverage. Below are four water damage risks that are usually not covered by home insurance policies.
Water infiltration is when heavy rains seep into the house. This could happen for several reasons including water seepage through the roof, a broken window during a storm, and overflowing gutters. But if strong winds broke a window causing water to seep in, you’d still be covered.
Tips to Prevent Water Infiltration
Imagine having your fully-furnished basement complete with a sound system and a home theatre damaged as snow melts and water overflow sand seeps through to the basement. This peril is usually not covered by common home insurance policies. Water overflow is dangerous as it could harm furniture and belongings as well as the infrastructure of the house.
Tips to Prevent Water Overflow
Depending on your insurance company, roof collapsing from the weight of snow or ice could be excluded from your home insurance policy.
Tips to Prevent Roof Collapse:
If you leave your house to go on a vacation your house is considered unoccupied. If you move somewhere else, your house is then considered vacant. There is typically no coverage for water damage, theft, or vandalism in both these cases.
So if you plan on leaving your home unoccupied for a while, make sure you:
Make sure your home is always protected and covered under your home insurance policy. Depending on your house and your insurance company, you might want to add additional endorsements for water infiltration, sewer backup, or overland water endorsements to your home insurance. Contact us today and we will be happy to set you up with the perfect insurance plan.