KSL Investigates: What water harm will not be coated by householders insurance coverage?

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SALT LAKE CITY – In terms of householders’ insurance coverage, there are specific issues you possibly can simply rely on being coated.

Injury from hearth and wind goes to be coated, however harm from water is … a bit extra difficult.

Michelle Megna with Insurance coverage.com mentioned 1000’s of house owners yearly are shocked when the within of their house finally ends up moist — and insurance coverage leaves them excessive and dry.

“Water harm claims are among the many most typical claims that householders make,” she mentioned.

One rule of thumb, she mentioned, is to attempt to reply the query: The place did the water come from?

“Water that comes from the sky or above is roofed,” Megna mentioned.

For instance, say there’s a heavy rainstorm and you’ve got a leaky roof. That is coated. But when that very same rainwater makes it to the bottom after which floods in via a basement window or seeps in via the muse, it isn’t coated underneath a typical householders coverage.

And for Utahns, snow runoff falls into that latter class.

“You would want a separate flood insurance coverage coverage,” she mentioned.


Water that comes from the sky or above is roofed.

–Michelle Megna, Insurance coverage.com


If flood insurance coverage is of curiosity to you, keep in mind you possibly can’t wait till you see rain in Kevin Eubank’s seven-day forecast. For a flood insurance coverage coverage to be good, it’s a must to have had it for a minimum of 30 days earlier than the harm happens.

So in the event you dwell under a burn scar that is coated in snow, the time to contemplate flood insurance coverage is a minimum of a month earlier than the snow begins to soften.

“You need to be ready earlier than you are in the course of that,” she mentioned.

House-ruining water does not simply come from mom nature, as many people in Texas discovered final month. Who pays when there is a burst pipe or an overflowing sink?

“That water harm can be coated underneath customary house insurance coverage coverage,” Megna mentioned.

The water harm is roofed, however what prompted the harm doubtless will not be coated. If a pipe bursts, the restore of that pipe is not coated. If a water heater causes the harm, the water heater is not coated. If the washer causes it, the insurance coverage can pay for the ground repairs however it will not substitute the washer.

Matt Gephardt
Sloan Schrage

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