What type of water damage is covered by homeowners insurance?
Homeowners insurances covers water damage from a pipe that bursts. Water damage from leaks, sewage backup and floods are not typically covered by homeowners insurance. Comprehensive coverage on car insurance often covers water damage. In many cases, comprehensive coverage on your car will repair your vehicle. Sometimes, your car will be replaced if and when water damage happens.
What causes water damage in homes?
Water damage can be caused by small leaks or big floods from hurricanes. But that’s not it. Bursting or leaking pipes are common causes of water damage. If a home has an issue with plumbing, it’s likely it will have damage from water. Homes have certain areas in them that are more likely to suffer water damage: crawl spaces, attics, basements, etc. Household appliances that don’t work properly can cause water damage too.
What are the types of water damage?
In the restoration business, we use categories to classify the level of damage from water. Category 1 water damage is the least harmful to your health. This category is also referred to as clean water and it is usually caused by small issues in the home such as malfunctioning appliances, melting snow, rainwater, and plumbing issues. Next, there’s category 2 or greywater. Category 2 water damage is also called sullage. This type of water damage includes water from showers, bathtubs, dishwashers, washing machines, and sinks. Greywater contains contaminants and can cause sickness if ingested. Blackwater, or Category 3 water damage, means water is contaminated with pathogens and toxins. In many cases, blackwater comes from toilets or broken sewage pipes. It contains human waste. Blackwater damage is the worst type of water damage because it’s the most destructive and harmful to your health.