Introduction
- Water damage is common but often misunderstood by policyholders.
1. Types of Water Damage Covered
✔ Sudden & Accidental (burst pipes, appliance leaks)
✔ Storm-Related (roof leaks from hail/wind)
❌ Excluded: Floods (requires separate flood insurance)
2. How to File a Successful Claim
- Document damage (photos/videos)
- Mitigate further damage (e.g., stop leaks)
- Keep receipts for repairs
3. Why Insurers Deny Water Damage Claims
- “Gradual damage” (e.g., long-term leaks)
- Poor maintenance (neglected plumbing)
- Flood-related exclusions
4. Best Homeowners Insurance for Water Damage
- Compare top providers (State Farm, Allstate, USAA)
- Add-ons like “water backup coverage”
Conclusion
- Recap covered vs. excluded scenarios.
- Urge readers to review their policies.
