While we may be in the direct path of Hurricane Harvey, we’re still slated to experience some severe weather and possible flooding. Heavy rainfall means a lot of water is trying to sneak through every crevice to damage your home and foundation. Protect yourself by making sure your gutters are clean and there aren’t any spots on your roof that could allow “preventable” leaking. You should also check your insurance policy and if you have any problems, remember that Allegiant Construction and Roofing has insurance claim specialists and storm damage roof repair experts in El Paso to help you every step of the way.
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“Is water damage covered?
In a word, yes! A standard homeowners insurance policy will cover water damage and roof leaks unless they’re the result of gross negligence on your part. Even if the roof leak is caused by a windstorm or a tree crashing through the shingles, you’re covered.
Roof leaks are typically covered if a windstorm damages a home and creates an “opening” in the roof, says Stacey A. Giulianti, a lawyer in Boca Raton, FL. Homeowners insurance doesn’t cover any “preventable” damage to a property, so the key here is determining if the leak is caused by a sudden and unexpected event. For example, rain that drips in through a pre-existing hole is generally not a covered loss, because the insurance company would likely say you should have fixed the hole.
When is water damage not covered?
Say your rain gutters are clogged because you haven’t cleaned them. With nowhere to go, water flows down the sides of your home and pools around the foundation, causing interior water damage.
“This type of claim, known as seepage, is a maintenance issue and often isn’t covered under your home insurance policy,” says Vahey. That’s because the damage is due to neglect that could have been prevented through proper home maintenance. Damage caused by manufacturing defects in your roofing material or installation errors are also not covered.
Another type of water damage homeowners insurance policies specifically exclude is that from flooding caused by a natural disaster (e.g., a hurricane). But you can purchase a separate flood policy.”