JD's Restorations - Manhattan Beach

Water Damage: Understanding Your Home Insurance Coverage

Water leaks, regardless of their size, can cause extensive damage to a home, impacting even seemingly resilient materials. Many homeowners are surprised to learn the answer to the question: can water damage concrete foundation? The reality is that persistent leaks can weaken concrete over time, leading to cracks and compromising the structural integrity of the entire house. Likewise, one might ask, can water damage granite? Although granite countertops are renowned for their durability, standing water can leave behind etching and stains, affecting both their appearance and functionality.

Navigating insurance coverage for water damage requires careful consideration. Does homeowners insurance cover water damage? Generally, yes, but coverage often hinges on the cause of the leak. Sudden and accidental leaks, such as those from burst pipes, are typically covered under standard homeowner policies. However, coverage for roof leaks is more nuanced. Does homeowners insurance cover water damage from a leaking roof? In many cases, it does, provided the roof has been properly maintained. Damage resulting from gradual wear and tear, however, might not be included.

For those living in areas susceptible to hurricanes, hurricane insurance offers an extra layer of protection. This separate policy is specifically designed to cover damage caused by hurricanes, including water damage from roof leaks. Does hurricane insurance cover water damage? If a hurricane damages your roof, leading to subsequent water damage inside your home, hurricane insurance would likely cover the associated repair costs.