Water damage and your home

Most people have had experience with leaks of some kind, whether it is a pipe break, a roof leak or something else. It’s a common claim and that’s why you need to review your New York home insurance quotes carefully to be sure you understand what is covered and what is not.

The first thing you need to know is that repairs and replacements to the leaking appliance or part is hardly ever covered. It’s damage that is covered by a standard policy.  You should also know that floods are not covered under a routine policy. Carriers expect you to buy supplemental flood insurance for that and it is important if you live in a flood plain.

But for a commonly occurring leak in plumbing or water heater or even a roof, you are probably covered. Check your policy carefully so you know, because water damage can be expensive to fix.

Much of your plumbing is hidden from view, so it is not uncommon for a leak to be invisible until it has done quite a bit of damage. However, there are things the vigilant owner can do to stay alert to the possibility of a leak.

It’s important to look at your water bill and especially take note if it has risen unusually on a month-to-month basis. If it has, you are paying for a leak, in all probability. You need to find it.

Just the way you check other things in your home regularly, make it a habit to look at hoses and parts to water-based appliances every year. Wear and tear can happen and being on top of it means you can often prevent an expensive water leak.

You can also go to your main water connection and switch it off. Then, check your water meter. Is it still running? If your answer is “yes” you’ve got water flowing somewhere.

One of the worst kinds of water damage is mold. It is hard to get rid of once it takes root and it may or may not be covered in full by your policy. It is important to get to mold fast because it can cause health issues and it also impacts resale values.  Be sure you know how your carrier treats mold damage.

To prevent mold clean up any leaks right away, even before you call your carrier.