4 Times Homeowners Insurance Covers a Flooded Basement

4/8/2022 (Permalink)

These are just some of the types of water damage that your insurance will cover.

A Flooded Basement Is Covered By Homeowners Insurance 4 Times

There are many reasons a basement flood could occur in your home in Miami, FL. If you experience any of the following, your insurance coverage should take care of the damage.

1. Broken Appliances

If your washing machine, HVAC unit, or refrigerator causes a sudden basement flood, your insurance will typically cover the damage. Any time your appliance malfunctions, you'll probably find yourself getting reimbursed. Just keep in mind that your insurance will only cover the damage, such as the cost to hire a water remediation company.

You are responsible for replacing the faulty appliance. However, sometimes the damage was due to poor maintenance on your part. If your insurance adjuster finds evidence that you haven't maintained your appliances properly, your claim can be denied.

2. Leaking Water Heaters

Just like a malfunctioning appliance, your insurance will generally cover water heater incidents. Again, keep in mind that the insurance company will inspect whether the source was sudden or caused by neglect. If your adjuster finds evidence of poor maintenance, they can deny your claim.

3. Freezing Pipes

If the temperature drops really low overnight, any pipes that burst due to freezing will be covered. This includes pipes leading to your HVAC unit, sprinklers, and appliances. The only restriction is that you must be living in your home at the time of the burst. Otherwise, you have to prove that you had the heat turned on in the building.

4. Overflowing Tubs, Pools, and Sinks

You may be surprised to find that your insurance will cover a basement flood caused by an overflowing pool, tub, sink, or other fixture. These incidents fit under your policy's sudden and accidental clause, so the damage you caused is covered. In other words, when your toddlers think it is a good idea to stuff the basement toilet with their toys and flush, all is well on the insurance front.

These are just some of the types of water damage that your insurance will cover. There are plenty of other times when your insurance covers the damage in your flooded basement.