©2019 - Homestead Insurance Agency, Inc.

Serving Medina County and Northeast Ohio
(330) 225-3100
(330) 725-3100
Fax (330) 225-5044
1324 Pearl Rd.P.O. Box 0802
Brunswick, Oh. 44212

Water Damage


What's Covered, What's Not

Water damage claims are some of the most challenging claims for a property adjuster to handle.  Under the homeowner special form policy, the first steps to determine if coverage is afforded is to first review the exclusions and then limitations listed in the policy.  The special form policy provided very broad coverage for water-related losses.  In the special form policy, any peril that is not excluded is covered.  However, there are certain circumstances where even the special form policy will not provide coverage.  Examples of what the homeowner policy will not pay for include, but are not limited to, the following:
  • Freezing, unless you have taken specific precautions to protect against freezing
  • Flood or surface water
  • Hydrostatic pressure
  • Backup of sewers and drains unless specifically insured by endorsement
  • Damage caused by continuous or repeated seepage if you neglected to take precautions upon discovery
When water has leaked or escaped from within an appliance or plumbing, the resulting damage is covered, however, the appliance or plumbing that malfunctioned or broke down and caused the loss to happen is not covered.  In the case of a plumbing leak, the plumbing itself is not covered because of its malfunction, however the tear-out of wallboard, cabinets, etc. and the resulting need to replace or repair these items damaged in the effort to repair the leaking pipe is covered in most cases.
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