There are numerous ways water damages can destroy your home. Sewer backups, bursts and leaking pipes, water leaks, flooding, drain overflows, and rainstorms can all wreak havoc on your property. In such circumstances, getting homeowners insurance can help cover the expenses. However, you must understand what your policy does and does not cover.

Is Water Damage from Rain Covered?

A standard homeowners policy covers rain damage unless the damage is caused by a lack of maintenance or negligence. If you fail to replace a broken window or rotten shingles and the rain worsens those, the insurance won’t cover such damages.

What If Rain Causes a Flood?

Homeowners policies do not cover damages resulting from a flood due to the severity of damage and the costs involved. You’ll need to purchase additional flood insurance if you reside in an area that’s prone to flooding.

What about Other Damages from Rainstorms?

Heavy rainstorms can lead to severe destruction, including storm, wind, and hail damages. Typically, homeowners insurance covers the damage caused by natural disasters. However, the policy may vary from one insurance company to another, so it’s best to read the fine print and carefully review your insurance terms to understand what kind of damage it covers.

Is General Wear and Tear Covered?

The homeowners insurance policy does not cover general wear and tear. It is your responsibility to repair and replace the damages, including clogged gutters and drains, old rotten roof shingles, and rusty pipes. Fix the damages as soon as they are spotted to avoid expensive repairs.

Now, you know what is covered and what is not covered by your homeowners insurance, so act accordingly when filing claims for rain damages. Are you looking for comprehensive homeowners insurance in Scotia, New York? Contact the experts at Scautub Agency today. We are ready to help you with all your coverage needs.