Flash Floods, Sewers & More: Water Damage Your Homeowners Policy Might Not Cover

by Jacqui Zuzgo 01/09/2022

Homeowner's insurance can help you recover financially from many accidents and disasters at home. While traditional homeowner's policies include coverage for personal items and your property, they don't cover everything. Certain types of damage may be excluded from coverage and require an additional policy, including many types of water damage. Here are some of the types of water damage your homeowners insurance might not cover:

Unresolved Maintenance

A key detail of homeowners insurance is, while it covers home appliances and systems, it won't cover your costs if the damage is your fault. For example, your insurance will cover the cost of replacement floors if they are damaged by water from a sudden dishwasher failure. If there were preexisting maintenance issues causing the damage, like a continually leaky faucet or pipe, the insurance isn't likely to cover the bill.

Replacements & Repairs

Homeowners insurance doesn't usually cover the cost of replacing whatever caused the water damage. For instance, in the above scenario, they might not pay to replace or repair your broken dishwasher. While many home appliances are included in homeowner policies, it's important to be completely clear about what might not be covered so you don't have any unpleasant financial surprises.

Sewer & Drain Backups

Sometimes water damage can occur because of a backed-up sewer or drain outside the home. This can be messy for your yard and your home's interior if the water manages to seep into your basement or floors. Unfortunately, most traditional homeowners insurance policies won't cover this type of water damage. The good news is that you can usually purchase additional water and sewer backup coverage to help you handle the damage from this type of situation.

Floods

Flood damage can range from annoying to completely catastrophic. While the source of the water in a flood can vary from one situation to the next, homeowners insurance policies won't cover your costs for damage to your home. Flood insurance is a common addition to homeowners policies in flood-prone areas, but you can purchase it as supplemental coverage no matter where you live.

When purchasing homeowners insurance, it's crucial to go over every detail. The more familiar you are with your policy and what it includes, the better prepared you'll be to handle water damage at home.

About the Author
Author

Jacqui Zuzgo

I have been a REALTOR® in Massachusetts since 1984 and hold both a salesman and broker license. I am currently affiliated with Five College REALTORS® located at 190 University Drive, Amherst, MA. Over my career, I have consistently been a Top Producer in the Pioneer Valley and have gained a reputation for being a strong-minded, no-nonsense negotiator in the industry. I also frequently rank highly on Boston’s Top 20 for sales in Western Massachusetts. Some of my best qualities include my listening and communication skills. I have time and again proven to work well under pressure with exceptional attention to detail. My commitment to my clients and professionalism is obvious in every transaction.

Representing both buyers and sellers in Hampshire and Franklin Counties, as well as assisting in relocations throughout the United States and globally has helped me embrace the need for quality performance and develop an acute and sincere sensitivity to people's needs. Honing in on what matters most is almost a sixth sense. Communication and awareness of the situation at hand produce a final result that has undoubtedly led to the large referral business I maintain.

Education has been a theme throughout my 30 years of experience. Well versed in technology and holding key designations have proven to be assets to my performance and dedication to the Real Estate field. My never-ending enthusiasm, availability, knowledge and drive make for a seamless transaction every client, every time.

I am a native of the Pioneer Valley. I am committed to sharing all the area has to offer in making your transition, whether long distance or short, a satisfying experience.

Education:

  • University of Massachusetts, Amherst - Bachelor of Science 1983
  • Top Individual Seller for Residential Sales in the Pioneer Valley since 2006.
  • #1#1 Realtor in the entire Franklin/Hampshire Counties for Millions Sold since 1999.
  • Highest producer in sales since 2004 in Franklin/Hampshire Counties.
  • ABR®– Accredited Buyer's Representative
  • CRS – Certified Residential Specialist (only 3% of REALTORS® hold a CRS)
  • e-PRO – Digital Marketing, Certified e-PRO Realtor®
  • GRI – Graduate, Realtors® Institute
  • SRES– Seniors Real Estate Specialist®

Biographical Highlights:

Life long, active member of the community, born & raised in the Pioneer Valley. Graduate of University of Massachusetts, Amherst, BS 1983.

Current Committee Involvement:

Member of the local Chamber of Commerce - Post Board of Director's member Volunteer for the Road to Recovery.

Greenfield Community College Foundation Board Member 

Greenfield Savings Bank Corporator

MLS Professional Standards Committee Member

Have a question for Jacqui? Jacqui's email: [email protected]