A common question homeowners have about their insurance is, “does home insurance cover water damage?” Among the myriad natural perils your home can face over the course of its life, water damage is one of the most varied. With all the different causes of water damage, it’s important to know which types require an additional insurance policy.
To help you in your insurance decisions, here are three types of water damage not covered by standard homeowners insurance:
Taking good care of your home and appliances is just as critical for insurance reasons as it is for functionality. If your dishwasher breaks and damages the floors, your home insurance will help you pay for the floor repairs.
However, if the dishwasher fails because of a preexisting maintenance issue left unresolved, you won’t be covered.
Traditional homeowners policies typically do not include coverage for water damage caused by a sewer or drain backup. If your floors or another part of your home incurs damage because of a backed-up water source, you won’t have coverage.
Your insurance provider may offer additional water or sewer backup coverage to help you in this situation.
Flooding can happen because of a storm, over-saturated ground or overflowing bodies of water. Unfortunately, in any of these cases, the resulting water damage would not be covered by a standard homeowners insurance policy.
Instead, you can purchase a separate flood insurance policy from the National Flood Insurance Program. This type of policy is required by mortgage lenders in regions where floods are more common, but can protect you just in case a flood should occur where you live.
Having provided award-winning service to my clients for the past 26 years, few other REALTORS are trusted like I am. My clients trust my advice, and they know that I will always look out for their best long-term interests. You can expect, and you will receive, personal service that is second to none. When you hire me as your Agent, you will work exclusively with me. I will personally answer your calls and respond to your messages. My promise to you is that I will not hand you off to another member of my team.
I have called Southwest Michigan home for 40 years. My mother's family ran a local locksmith service, and my father served as the Chief Investigator for the County's Prosecutor and Director of Security for the Whirlpool Corporation office for many years. I love all that this area offers, and I enjoy serving the buyers and sellers who are moving in or out of
Southwest Michigan.
My wife and I have two children, and we would not want to raise them anywhere else. Between the award-winning schools and the plethora of youth activities available in Southwest Michigan, it's a great place to call home. We enjoy spending time with friends at the beach, boating, golfing, hunting, skiing in the North, and fishing.
I give back to the community that has been so good to us. Currently, I serve on the Lakeshore Public Schools Foundation Board (LEF), as Past President of the St. Joe Kickers Sports Club, and as a Rotarian in the Stevensville-Lakeshore Rotary
Club. We donate throughout the year to various local organizations, schools, Fine Arts Programs, and youth sports groups.
I want to leverage my experience and knowledge to benefit you. I have sold over 700 properties and earned the respect of my fellow REALTORS, who have voted me "REALTOR of the Year." I am confident I can earn your trust as well.
Looking to buy, sell, or invest in real estate? Allow me to serve you, and I promise you will not be disappointed.