Is Water Damage From Appliance Leaks Covered by Insurance in Mohave County?

In the kitchen, bathroom, and laundry room, you rely on a variety of appliances to keep your home running smoothly. In each of these rooms, there are plumbing connections. One mishap could lead to a washing machine or refrigerator leaking excess water all over your floor. The resulting water damage can quickly spread, causing a soggy mess and even mold growth in time. The stress of the entire issue can leave you unsure. Will your insurance cover the water damage? Who can you call to schedule repairs? It’s a lot to have on your plate at once. Know that you may call a local restoration company for water damage restoration at any hour. As to your insurance, let’s dive into that topic now!

Does Homeowners’ Insurance Cover Appliance Leaks?

Your homeowner’s insurance policy should cover any water damage stemming from an appliance leak. This type of damage falls under sudden and accidental water damage. It’s a plumbing failure, like a burst pipe or blown water heater. If the issue was drawn-out, however, then the insurance company would likely deny the claim. But, for a sudden leak, you’re covered.

  • Dwelling – Your home insurance policy includes dwelling coverage that insures the structure of the home, including the roof, walls, and floors. If a portion of the house is damaged by an appliance leak – typically the floor – then dwelling coverage kicks in. The insurance company will pay a portion, if not all, of the repair costs.
  • Contents – Then, you have contents coverage for your personal possessions. If any item is lost or damaged by the leak, including furniture or electronics, you will receive money to repair or replace these items. The amount of contents coverage you have depends on you, though. Each homeowner can set their own limit, with a minimum usually required by the mortgage company, for contents.
  • Additional Living Expenses – If the appliance leak is severe enough that you must leave the house, many insurance policies include additional living expenses coverage to cover hotel, travel, and food while away from home.

What Water Damage Isn’t Covered

We’ve already determined that a sudden or accidental appliance water leak is covered by your insurance policy. But what about water damage that isn’t covered? It’s important to know both sides.

Often, your insurance policy will not cover any gradual water damage. If you could have prevented the situation through maintenance, cleaning, and prompt repairs, then the insurance company will not accept your claim. They will argue that you are at fault for the incident. As such, you’re fully responsible for the cost of repairs, restoration, and replacements.

Following any type of water damage in your home, contact the expert team at Restoration 1 of Mohave County. Give us a call at 928-235-4193!