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What about water damage to my house?

Michigan home insurance quotesImagine waking up one morning to find a flood under your driveway. You have a broken pipe but there was no way to see it before it became a big leak.  What kind of coverage do you have for this? It’s one of the things you need to keep in mind when you solicit Michigan home insurance quotes and something in any policy that you should have working familiarity with.  Repairs can be expensive and you want to be sure you have enough coverage for any kind of leak.

Most leaks are covered under standard policies, except for floods, which require you to buy supplemental coverage.  The kind of water damage normally handled by a standard policy is “internally caused”.  That means a water heater leak, a break in your pipe, a roof leak or a leaky appliance.

The thing about leaks is that you sometimes don’t notice they’re happening until damage occurs and sometimes mold has had a chance to set in, or its predecessor, mildew. Mold can be hard to remediate and your policy may or may not cover it. You should know this in advance, because mold can present health problems and also devalue your house when you want to sell it.

Pay attention if your water bill makes a big jump from month to month. It may be a real indication that you have a leak.  Savvy residents take a look at their appliance hoses and other parts at least annually, looking for wear and damage.

You may not know that simply turning off your main water connector and then checking your meter can be a clue to a leak. If you turn off the water and the meter is still running, there is water somewhere and you’d better find it.

It is common to have a roof leak or broken water pipe. Be sure to clean up any standing water instantly so that you don’t have bigger problems.  Another common but invisible leak can be when a refrigerator drip pan overflows. Empty it regularly!

Negligence is always a question with carriers so be sure you are doing appropriate maintenance on your roof and other places where leaks can spring up. Insurers do not like to cover leaks caused by owner negligence. Read your policy carefully.

Normally,  repairs and replacement are your responsibility. It is likely that your own policy only covers damage, not replacement or repair.