Is a water leak for bathroom and kitchen tapware faucet covered by homeowners insurance?

Most homeowners  insurance  policies  help cover  water damage for homeware taps if the cause is sudden and
accidental. According  to  the insurance information institute,  homeowners insu
rance may help pay for repairs if,
for instance,  your  drywall  is  drenched after  your water heater  ruptures  or  an  upstairs pipe bursts and water
saturates the ceiling below.

Depending on w
hat's damaged, two types of coverage within a homeowners insurance policy may apply.
Dwelling Coverage

Dwelling  coverage  helps  pay  for damage to the structure  of your home if it's  damaged by a covered peril. So,
if a pipe suddenly bursts and damages a wall, dwelling coverage may help pay for repairs.

Personal Property Coverage
Personal property  coverage helps pay for  damage  to  your belongings  if  they  are damaged by a  covered risk.
So,  if  a burst  pipe results  in  a drenched computer  or bookcase,  personal  property coverage may help pay to
repair or replace the damaged items.

Keep in mind that  a deductible  will likely apply  before  your  coverage kicks in. Also,  coverage limits may apply.
Read your policy to brush up on how much coverage your policy  provides. Your  agent can  help you adjust your
coverage to fit your needs or answer questions about your policy.

Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental,
such as  if  a  washing machine  supply  hose suddenly breaks or a pipe bursts. However, homeowners insurance
does  not  cover  damage  resulting  from  poor  maintenance. So, if damage results after you fail to repair a leaky
toilet, for example, homeowners insurance likely will not pay for repairs.

Homeowners insurance does not cover certain types of water damage.
Damage from Unresolved Maintenance Issues
While your homeowners insurance  will  probably help  cover  the cost of replacing or repairing a damaged floor if
your  dishwasher  suddenly  goes on  the fritz, coverage generally  will  not  kick in  if  the damage results from an
unresolved maintenance issue, such as continuous leaking near a faucet or other plumbing fixture.

Replacing or Repairing the Source of the Water Damage
Most homeowners insurance policies will not cover the source of the water damage. So, while your policy may
cover the cost of tearing out and replacing that damaged floor, you shouldn't expect it to cover the cost of replacing
your broken dishwasher or washing machine.

Water Backup from an Outside Sewer or Drain
You also will not typically be covered by a traditional homeowners policy if water backs into your home through an
outside sewer or drain. You may, however, be able to purchase additional sewer or 
water backup coverage that
may help cover damage from that type of event.

No type of flood damage, no matter the source of the water, is covered by standard homeowners policies. Flooding,
for example, can occur from storms, over-saturated ground, overflowing or surging bodies of water such as rivers,
onds, lakes and oceans. You may be able to purchase a separate 
flood insurance policy through the National Flood
Insurance Program.

While it's important to keep up with home maintenance to help prevent damage from water, it's also a good idea to
check with your agent about what is and isn't covered by your homeowners policy. Be sure to ask if there are any
additional coverages available that may be appropriate for your home.

if you need any help or support in the bathroom and kitchen faucets field buying from China, just email me at: bozhanfaucet@gmail.com bzsanitary@gmail.com
Website: https://www.bzsanitary.com/
Skype:maryzheng2331   Whatsapp:008613777680982


© 2019 Bozhan Sanitary Technology Co., Ltd. All Rights Reserved.    POWERED BY UEESHOP