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The parts of your home that may be covered include the walls, roof and floorboards. Dwelling coverage clause: The structure of your home is insured under your home insurance policy’s dwelling coverage clause.If you need additional coverage, you may want to consider adding a rider to your insurance policy. Some of your luxury items, however, may only be covered up to a certain limit, like jewelry. Property coverage clause: Your home insurance policy may reimburse you for personal property that is damaged by a plumbing malfunction, such as electronics, furniture and clothing.The standard home insurance policy has three clauses that may provide coverage if your home sustains water damage: Water damage can cause significant issues that may require the replacement of destroyed property, repairs to part of your home’s structure and even relocation for a few days. Your policy may also note another requirement that the water hasn’t touched the ground outside. ![]() Under the standard homeowners insurance policy, water damage must be internal and sudden to be covered. Luckily, homeowners insurance covers water damage in various scenarios. Without homeowners insurance, repair costs would be coming out of your pocket. In 2020, water damage and freezing accounted for nearly 20% of all homeowners insurance losses, costing an average of $11,650 per claim. With the exception of fire, nothing is more destructive to homes than water damage. Water damage is one of the most commonly reported homeowners insurance claims, as well as one of the most costly. When Does Homeowners Insurance Cover Water Damage? How To Protect Your Home From Water Damage.When Insurance Does Not Cover Water Damage.When Does Homeowners Insurance Cover Water Damage?.At David Pope Insurance Services, LLC, we’ve compiled this guide to help you understand whether your policy will cover water damage and how to navigate water damage claims. However, damage due to other causes, like earthquakes and floods, may not be covered. This means water damage is sometimes covered by homeowners insurance and sometimes isn’t. With homeowners insurance, you may have coverage for certain perils, such as wind, lightning and hail.
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