Water that makes its way into your home can cause thousands of dollars worth of damage. The question is whether or not your insurance will cover the cost of the repairs. At Miao Insurance Services, the agents are always available to answer questions about your homeowners’ insurance and what it covers. Pleasanton, CA residents who need answers about their homeowners’ insurance need to talk to an agent they trust.

Sudden and Accidental Types of Damage

Sudden and accidental types of damage can include a burst water pipe or brain damage that is caused by water getting in through a window that was damaged during a storm. Water damage caused by a limb knocking a hole in the roof or a wall would also be covered.

Gradual Types of Damage

Water damage that is caused by gradual means will not be covered. This can mean damage caused by broken plumbing that failed due to long-term wear and tear. If plumbing fails because it has been neglected or in need of repair, your insurance company won’t cover the repairs’ cost.

Flood Insurance

Basic homeowners’ insurance policies do not generally cover flood insurance. To be covered for flood damage, you would have to purchase a flood insurance policy in addition to your homeowners’ policy.

Determining the cause of water damage can be tricky sometimes. It’s essential to maintain your roof and plumbing to ensure both are in good condition. In Pleasanton, CA, the Miao Insurance Services agents make sure their clients understand what types of water damage are covered and what is not. Speak to an agent today to get the answers you need and the coverage you want.