When you have true flood damage versus water damage in Dallas Fort Worth, Texas, it is important to know what your insurance policy covers in terms of various water flooding scenarios. Your water damage claim may be denied due to incorrect terminology or coding. Be an informed consumer and read your policy carefully.
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Insurance companies usually do not cover natural geological events, such as landslides, hurricanes, earthquakes and floods. Insurance companies are very specific in their definition of what constituted flooding. That narrow definition specifies that flooding is an overflow of a natural body of water, such as a lake or an ocean.
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Water damages occur when water gets into your Dallas Fort Worth home other than through the overflowing of a body of water. Depending on your particular insurance policy, many water emergencies are covered, but there are multiple scenarios of what is covered and under what conditions. When you know what your water damage policy covers, you know what language to use to describe the situation for your claim to be approved. That means that if your water heater bursts and “floods” your Dallas Fort Worth home or your washing machine overflows and your basement has 3″ of standing water, it does not qualify under the definition of a true flood, which is good because chances are your insurance would cover these water damage scenarios – just don’t use the word “flood” when filing your claim.
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Here are some examples of water emergency situations and their outcome, depending on your insurance company’s interpretation of events that led to the damages.
Water Damage from burst frozen pipes
Most insurance policies cover you for burst frozen pipes; however, if you went on vacation and failed to turn on the heat in your Dallas, Texas home during subzero weather, your claim would most likely be denied due to your failure to anticipate the events, thus causing the damage.
Water Damage from Overflowing Appliances
Most insurance policies would cover an overflow of your washing machine that floods your basement. However, the insurance company may make a case for the improper maintenance and upkeep of the washing machine in which case, the washer’s replacements parts would not be covered by your insurance.
Water Damage from Leaky Roof
Your insurance would likely cover your water damaged Dallas home and furnishings, but would not cover the cost of repairing your roof because that is considered a regular homeowners’ maintenance responsibility.
Water Damage from Leaky Pool
Your insurance would cover leaks from your pool that end up damaging and flooding your basement; however, if your lawn got damaged in this particular scenario, the lawn would not be covered.
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