In the United States, water damage is one of the most common reasons why you will bring a home insurance claim. And that’s not surprising considering that water damage claims are the second most common insurance claim in Miami and elsewhere in Florida after wind and hail damage.
While we could debate for hours trying to figure out why water damage insurance claims are on the rise, let’s get one burning question out of the way: “What water leaks are covered by home insurance?”
Believe it or not, not all types of damage caused by water and pipe leaks are covered on home insurance. And today, our Miami pipe leaks attorney Jonathan Korin is going to review what types of water leaks you can get compensation for in Florida.
Types of water damage
First and foremost, it’s essential to understand what types of water damage are there. These are the most common types of water damage in home that can either be covered or excluded in a home insurance policy:
- Sudden water damage;
- Accidental discharge;
- Sewer backup or water backup;
- Flood (which is not uncommon for Miami and the rest of Florida); and
- Hurricane-related water damage.
What water damage is covered by home insurance?
But which of the above-mentioned types of water damage are covered by insurance policies? Unfortunately, there is no universal answer to say that this and that type of water damage is covered in ALL home insurance policies, while other types are excluded.
In order to answer the question, it’s important to get a free consultation from a Miami water damage attorney who will review your particular situation, estimate the value of your claim, file a claim on your behalf, and help you negotiate with the insurance company and adjusters.
Note: negotiating with your insurance company without seeking legal help of an attorney can result in denial of your claim or minimizing the value of your claim, because insurers in Florida tend to lie, cheat, and employ unfair insurance claim practices.
If you’re wondering whether or not a leaking toiler or leaking roof is covered by your insurance, it’s vital to establish the source of the water damage in your particular case, and the type of insurance policy you’re carrying.
One thing that can be said for certain and will apply to all homeowners in Miami and elsewhere in Florida is that more often than not, water damage that is accidental and sudden is covered by home insurance policy, while gradual damage is usually excluded.
What is gradual water damage?
Now that we’ve established that gradual water damage is usually not covered by insurance policies, let’s define the term “gradual.” Our best pipe leaks attorneys in Miami explain that gradual damage is when damage happens slowly and causes damage to your home and property.
Here are some of the most common examples of gradual water damage (which more often than not can result in a denied claim if you aren’t represented by a skilled lawyer):
- Damage to the walls, ceilings or floor caused by plumbing, faucets or pipes leaks;
- Property damage from water coming through porous material or small holes;
- Mold, rot or corrosion;
- Deteriorating electrical wiring; and
- Inadequate of low-quality repairs or lack of repairs to home.
There are exceptions to everything, which is why seeking legal advice of a water damage lawyer is imperative to ensure that you’re getting financial compensation for property damage regardless of the type of water damage that incurred monetary losses and damages.