The state of Connecticut is no stranger to floods. There is a lot of concern about what types of water damage will be covered under most homeowners insurance in Connecticut. Water can cause damage to a house via an overflowing river, heavy rains invading through a leaky roof, a pipe that burst from extreme pressure, or sewers that happen to back up. It’s important for you to know what is and isn’t covered under your policy and what to do if and when water damage happens to your home.
Homeowner’s insurance won’t protect against flood damage
When flooding occurs in an area that causes damage to your house, you will need a flood insurance policy. Most home insurance policies do cover other forms of damage that water can inflict upon your residence. For any covered disasters your policy will reimburse you up to the maximum coverage, less the amount of your deductible.
For the purposes of insurance, water damage occurring not as a result of flooding is defined differently from flood damage. Water damage is defined specifically as damage caused by water that affects any house before it touches the ground.
Types of water damage covered by HO-2 & HO-3 policies
Most homeowner’s insurance policies are classified as HO-2, which covers sixteen types of damage, or HO-3, which covers any damage not specifically exempt, such as floods. Both policies will provide coverage for accidental water or steam discharges, overflow from plumbing, air-conditioning, and heating units, discharge from automatic fire-sprinkler systems, or water damage due to appliance malfunction (washing machines, dishwashers, etc.).
To avoid having coverage that doesn’t provide enough cover for major damage when it occurs, most insurers recommend taking out a larger deductible on your policy. Make sure it’s within your budget and that you can afford to pay this amount when filing a claim. This will help to lower premiums and reduce the incentive for you to file small claims for issues you can personally address without involving your insurer.
During these warm months you may want to check your home for the possibility of leaks, rusty pipes, and other areas that may be a concern during the wet season. Your homeowners insurance in Connecticut will aid you anytime you’re forced to address any covered damage.