If you’re looking for an insurance policy for a new home in Sterling or you recently had a water damage incident and need a way to pay for it, you may be asking yourself, “does homeowner’s insurance cover water damage in a Sterling home?” United Water Restoration Group of Sterling is here to answer that question for you.
Many homeowner’s insurance policies only cover water damage for sudden, accidental incidents to your house or your belongings, meaning there are two types of coverage on your policy:
Here are some incidents where water damage would be considered sudden and accidental and get covered by insurance:
When your homeowner’s insurance does cover these expenses, you likely still have to meet your deductible before your insurance pays. Your insurance may also have coverage limits, depending on how much you pay for your policy.
Situations that typical homeowner’s insurance won’t cover include:
If your standard homeowner’s insurance policy doesn’t cover incidents that happen more frequently in your area, such as weather-related incidents, then you’ll likely be required or recommended to purchase add-on policies for those incidents. Some add-on policies you might consider getting include flood insurance and sewer and drain backup insurance.
When you work with United Water Restoration Group of Sterling, we can help you answer the question: “Does my insurance cover water damage in Sterling?” Call us at (703) 688-3788 to find out how we can help you make the most of your water damage claim.
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