When Water Strikes, You Need Coverage You Can Count On
Water damage is one of the most common and costly insurance claims for homeowners and businesses. From burst pipes to flooding, understanding how water claims work can help you protect your property and reduce out-of-pocket costs.
Common Causes of Water Damage
- Burst or leaking pipes – Often due to freezing, corrosion, or wear and tear
- Appliance leaks – Water heaters, dishwashers, or washing machines
- Roof leaks – Storm damage or aging roofing materials
- Sewage backups – Can cause extensive damage and health hazards
- Flooding – Typically requires separate flood insurance coverage
How Water Claims Work
- Report the Claim Promptly – Notify your insurance company as soon as possible.
- Mitigate Damage – Take reasonable steps to prevent further damage (e.g., shut off water, remove valuables).
- Inspection and Documentation – An adjuster may visit to assess the damage; take photos and keep receipts.
- Claim Settlement – Your policy will cover repairs or replacements according to your coverage limits and deductible.
Key Coverage Considerations
- Standard Homeowners or Business Policies – Typically cover sudden and accidental water damage (like burst pipes), but may exclude floods or sewer backups.
- Separate Policies or Endorsements – Flood insurance or sewer backup riders may be required for full protection.
- Deductibles – Review your policy; some water claims have specific deductibles or percentage-based limits.
Tips to Prevent Water Damage
- Inspect plumbing, roofs, and appliances regularly
- Install sump pumps and water leak detectors
- Maintain proper drainage around your property
- Know your coverage and consider additional endorsements if needed
Bridgeway Insurance Group Can Help
We help homeowners and business owners understand their water coverage and choose policies that protect against unexpected water damage. From standard claims to specialized endorsements, we make sure your property is fully protected.
Bridgeway Insurance Group - Insurance that protects your property and your peace of mind—before the next water damage occurs.