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What about water damage and home insurance?

There are many good reasons to look carefully at a policy when you review New Jersey home insurance quotes, and one is to discover how the carrier covers water damage.


Water damage can do a significant amount of damage. Mildew is not only unsightly but is the early stage of mold, which not only looks and smells terrible, but it can be awful for your health. It can also have a deleterious effect on your resale value. So water damage is an important component of your policy and one you should understand fully.


There are many ways that water damage can happen. Most often, it comes from leaking or broken appliances, such as a washing machine, dishwasher or water heater.  Pipe breaks are also a cause. Roof leaks are a very common way leaks happen. These are normally covered in a standard policy.  So if you see water damage, clean it up right away, before mildew or mold take root. Only then should you call your insurer.


It is important to remember that repairs are rarely covered under a normal policy—nor is replacement.  Damage is covered, though.  But check your paperwork to be sure you know how your carrier handles this matter.


But some types of water damage require additional coverage. Floods are rarely covered under a standard policy. Flood insurance usually means you need a supplemental policy you will pay extra for.


It is not unusual to fail to notice a leak until damage has already occurred. But there are a few ways you can be alert to the possibility of a leak.  If you see that your water bill has had a spike, it can be a sign that there is a leak somewhere, even if you can not see it. It could be under your driveway or home.


It is easy to check appliances regularly for wear and damage to hoses and parts.  It is also not hard to switch off the main water connection and then look at your water meter. If it is still spinning, there is water somewhere and you need to find it.


Sometimes, carriers get stuck on whether or not you are negligent and their definition of that can vary by carrier. Get to know your policy details and the limits of your coverage


Residents can also buy a water detection device that find leaks that might be in sump pumps, washing machines, water heaters and the like.