Fire & Water Damage, Sudden & Accidental Covered by Insurance

Adulting 101: Fire & Water Damage Happens, Is It Covered?

Is fire & water damage covered by homeowners insurance or renters insurance? Often times it is, if it’s sudden & accidental.

Check out the following scenarios in which sudden & accidental fire & water damage is often covered by insurance (& more)…

Fire & Smoke Damage Covered by Insurance

Property insurance policies often provide coverage in the event of fire &/or smoke caused by any of the following sudden & accidental sources…

  • Accidental Fires Caused by Cooking
  • Electrical Fires & Faulty Wiring
  • Appliance Malfunctions Caused by Stoves, Ovens, Dryers & Hair Dryers
  • Fire & Smoke Caused by Heating Systems Including Furnaces, Fire Places, & Space Heaters
  • Lightning Strikes
  • Gas Leaks
Sudden & Accidental Fire & Water Damage

Arson, however, is not covered by insurance. Do not cause intentional fire damage in case anywhere. The insurance industry employs a variety of educated & experienced professionals who only inspect fire claims & determine their causes. Those who are proven to have caused intentional fire damage anywhere will be prosecuted.

Water Damage: Sudden Sources Covered

Most often property insurance policies will cover water damage from the following sources…

  • Bursted Washer Machine Hose
  • Dishwasher or Water Heater Sudden & Accidental Malfunction
  • Frozen Pipe(s) Freezing & Busting
  • Accidental overflow from a bathtub, sink, or toilet
  • Sewage Backup (Additional Endorsement Most Often Required)

Alternatively, water damage that occurs gradually due to a lack of proper home maintenance & repair, is most often not covered by insurance.

Other Sudden & Accidental Sources…

There is insurance coverage often provided outside of sudden & accidental fire & water damage. These cases often include:

  • Theft & Vandalism
  • Storm Damage
  • Explosions
  • Flooding (Separate Policy Required)
  • Earthquakes (Separate Policy Required)

It’s important to keep in mind that property insurance policies can vary in coverage, limitations, & exclusions.

When was the last time that you reviewed your insurance policy with your insurance agent? Perhaps the value of your home &/or personal property has increased since your last view & you require additional coverage. Or, if you have any questions about what is & what is not covered within the policies you have purchased, you need to get those questions answered ASAP.

Do you who your current insurance agent is? Are you interested in shopping around for other insurance options?

Email us at info@wasitsuddenandaccidental.com for an agent referral based on your location & needs.

Finally, click here to follow us on Facebook & enter your email address below to subscribe via email to the Sudden & Accidental Scoop…



Comments

11 responses to “Adulting 101: Fire & Water Damage Happens, Is It Covered?”

  1. Beauty Fashion Avatar

    Hey There. I discovered your weblog the usage of msn. That is a really neatly written article. I will be sure to bookmark it and come back to read extra of your useful info. Thanks for the post. I抣l definitely return.

    1. mm

      Thank you for reading & for your feedback. Be sure to subscribe here for more –> https://wasitsuddenandaccidental.com/subscribe-to-the-sudden-accidental-scoop/

  2. Haircuts Avatar

    You actually make it appear so easy with your presentation however I find this topic to be actually something which I think I might never understand. It sort of feels too complicated and very wide for me. I am looking ahead on your subsequent submit, I抣l attempt to get the grasp of it!

    1. mm

      Thank you for reading & for your feedback. Be sure to subscribe for more (free): https://wasitsuddenandaccidental.com/subscribe-to-the-sudden-accidental-scoop/

  3. Beauty Fashion Avatar

    Super-Duper website! I am loving it!! Will come back again. I am bookmarking your feeds also.

  4. Trending Hairstyles Avatar

    You made some clear points there. I did a search on the subject matter and found most persons will approve with your site.

  5. Hairstyles Avatar

    You are a very capable person!

  6. Hottest Hairstyles Avatar

    Hey there! This post could not be written any better! Reading this post reminds me of my good old room mate! He always kept chatting about this. I will forward this page to him. Fairly certain he will have a good read. Thanks for sharing!

  7. Hairstyles Avatar

    I would also love to add that in case you do not currently have an insurance policy or maybe you do not form part of any group insurance, you will well take advantage of seeking the help of a health insurance agent. Self-employed or people having medical conditions ordinarily seek the help of a health insurance specialist. Thanks for your short article.

  8. Beauty Fashion Avatar

    Thanks for another informative site. Where else could I get that kind of info written in such an ideal way? I’ve a project that I am just now working on, and I have been on the look out for such information.

  9. Hottest Hairstyles Avatar

    WONDERFUL Post.thanks for share..extra wait .. ?

Discover more from Sudden & Accidental

Subscribe now to keep reading and get access to the full archive.

Continue reading

Verified by MonsterInsights