If Water Used to Put Out a Fire in My Home Causes Damage, Am I Covered? However, there may not be coverage if your home has been vacant for more than 60 days before the incident. If someone enters your home and intentionally floods the sink or breaks a pipe, you typically will be covered as part of a vandalism and malicious mischief peril in your policy. Is My Home Covered If Vandalism Causes Water Damage? However, if your policy is limited to specific perils, you’ll typically be covered only if those named perils caused the damage to your roof that led to water damage. Generally, if you have a comprehensive homeowners policy, you should be covered. Is My Home Covered If My Roof Leaks and Water Damages the Interior? However, you would be responsible for paying to repair or replace the dishwasher itself. If a major appliance – such as a dishwasher – has a mechanical failure and suddenly leaks onto your floor, your homeowners insurance typically will cover the damage caused by the leak. Is My Home Covered for Water Damage Caused by a Malfunctioning Appliance? But if you ignore a known leak or other long-standing problem, there may not be coverage for your claim. Your homeowners insurance often will cover damage caused by a burst pipe if the incident is sudden and accidental. Here are five answers to questions you may have when you’re purchasing a homeowners policy: 1. According to the Insurance Information Institute, over a five-year period, on average just over one non-weather water claim was filed per 50 homeowners policies each year and the average cost per claim was almost $11,000. While many homeowners underestimate the frequency of water issues that arise from plumbing or appliances, it’s helpful to know what your insurance will cover should a non-weather water incident occur. Water can quickly cause major problems in your home with a sudden, unexpected event like a burst pipe. Navigating Your Business Through COVID-19.
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