What qualifies as water damage?

Water damage describes various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, de-laminating of materials such as plywood, short-circuiting of

Is water damage covered?

Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowners insurance. If the water comes from outside your home, it will not be covered by your standard policy.

How do I know if I have water damage?

  1. Stains on the Walls and Ceilings. …
  2. Flaking or Peeling Paint. …
  3. Soft or Swollen Drywall. …
  4. Warped Walls. …
  5. A Strange or Musty Smell in the House. …
  6. Mold on Your Baseboards and Walls.
4 Jul 2020

Does accidental damage include water damage?

Generally, water damage that is considered “sudden and accidental” is covered (like a burst pipe) but not gradual damage, like a leaking bathroom sink. And flooding is not covered, such as damage from storm surge during a hurricane.

Is water damage obvious?

obvious to spot but it is easy to miss the earliest signs of damage. The first signs are bubbling or peeling paint or wallpaper. Cracks may appear in the drywall as water within the walls may cause it to swell and retract without appearing soaked.

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