Homeowners often discover too late that not all water damage is treated the same by insurance companies. A soaked basement looks bad no matter what caused it, but how the water got there makes all the difference in whether a claim is covered. For families in West Virginia, where heavy rains and swollen rivers are common, understanding the difference between water damage and flood damage is essential.
When Water Damage Is Covered
Most homeowners’ policies through Mutual Insurance Partners, serving Follansbee, WV, cover sudden, accidental water damage that originates inside the home. A frozen pipe that bursts, a leaking water heater, or a malfunctioning dishwasher all fall under this category. Because these problems start indoors and are unexpected, insurers typically cover repairs after the deductible is paid. These are the kinds of everyday mishaps that policies are designed to handle.
Flood Damage Is Different
Flood damage, however, occurs when water from outside the home moves in. Rising creeks, torrential rains, or melting snow that pushes water into your basement are all considered floods. Standard homeowners’ policies exclude this type of loss entirely, which is why it’s important to discuss the impact of natural disaster floods on your property and explore additional coverage options.
Why It Matters
The distinction may seem technical, but the financial impact is significant. Without flood coverage, a single storm could leave a homeowner with tens of thousands of dollars in repair costs. In regions prone to flash floods, going without extra protection is a serious risk.
Understanding your policy before disaster strikes is the best defense. Review what’s included, ask about potential gaps, and consider adding flood coverage if your home is in a vulnerable area. When water shows up uninvited, preparation makes all the difference. Contact your insurance representative at Mutual Insurance Partners, serving Follansbee, WV, to learn more.
