![]() Dwelling coverage: Pays to repair the structure of your house - like your kitchen floors and walls.Here’s how different parts of your homeowners insurance policy could help. Let’s say your dishwasher leaks and the water damages your kitchen and belongings. How homeowners insurance covers water damage Tip: Consider optional “hidden water damage” protection to cover the cost of removing mold and other damage caused by hidden water leaks originating under appliances, in walls or in your plumbing or heating system that your home insurance policy may not cover. You may be able to add equipment breakdown coverage to your policy or purchase a home warranty if you want to be paid out for repairs to certain appliances. If your fridge or dishwasher goes kaput and leaks water, the repairs to the appliances themselves typically aren’t covered. Consider purchasing separate earthquake insurance if you live in a high-risk area. If an earthquake, mudslide or landslide results in water damage to your house, you won’t be covered. While sewer backup isn’t covered by most homeowners policies, you may be able to add water backup coverage to your policy for an additional fee to pay for repairs from drainage backup. Melting snow can overwhelm sewer systems and cause a backup in the drains of your home, possibly causing damage to your floors, walls and more. However, if it was caused by a covered problem in your homeowners policy, such as water damage from a burst hot water heater, it may be covered. If it forms because of a lack of upkeep, it won’t be covered. If you have frequent severe weather or live in a flood zone, you may need separate flood insurance. Floods are typically not covered under standard homeowners insurance. Water that seeps into your basement from the ground or through your house’s foundation is usually not covered. ![]() “If your roof is over 20 years old or has gradually declined over time, and you’ve failed to repair or maintain it, you will most likely not be able to claim a roof leak,” said Avner Gat, president of Avner Gat Property Loss Consultants. Neglecting your property or appliances could result in claim denial.
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