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SERVPROSERVPRO of St. Augustine, St. Augustine Beach, S. Nocatee and World Golf Village
Fire & Water - Cleanup & Restoration™
(904) 429-4457

When Is Water Damage Covered by Insurance? Don’t Wait to Act!

1/16/2025 (Permalink)

Water damage can disrupt your life unexpectedly, from a burst pipe to a roof leak or storm flooding. Knowing whether your homeowner's insurance will cover the damage can provide peace of mind and help you take action quickly. At SERVPRO of St. Augustine, St. Augustine Beach, South Nocatee & World Golf Village, we’re here to help you navigate these challenges and restore your property as soon as possible.

When Does Insurance Cover Water Damage?

Most standard homeowner’s insurance policies cover sudden and accidental water damage. Here are some scenarios typically covered:

  1. Burst Pipes: The resulting water damage is generally covered if a pipe bursts unexpectedly.

  2. Appliance Failures: Malfunctions in appliances like water heaters, washing machines, and dishwashers can cause water damage, and many policies cover these incidents.

  3. Roof Leaks from Storms: If a storm damages your roof and water enters your home, your insurance may cover the water damage.

  4. Overflows: Water damage from a sudden and accidental overflow of toilets or tubs is often included.

Important: Gradual damage or negligence, such as ignored maintenance issues or long-term leaks, is typically excluded from coverage.

When Isn’t Water Damage Covered?

Insurance generally won’t cover:

  • Flood Damage: Damage from rising water or natural flooding requires separate flood insurance.

  • Sewer Backups: These often require additional coverage.

  • Neglected Maintenance Issues: If water damage occurs due to a long-standing issue like a leaky roof that wasn’t repaired, it’s unlikely to be covered.

Why It’s Crucial Not to Wait

Water damage is a ticking clock. The longer you wait to address it, the worse the problem can become. Here’s why immediate action is essential:

  1. Mold: Microbial growth can start growing within 24-48 hours of water exposure, leading to potential increased restoration costs.

  2. Structural Damage: Water can weaken drywall, flooring, and support beams, compromising your home’s integrity.

  3. Increased Costs: Delays can lead to more extensive damage, raising the cost of repairs and restoration.

  4. Insurance Limitations: Many insurance companies require prompt action to mitigate damage. Waiting too long could jeopardize your claim

How SERVPRO® Can Help

At SERVPRO of St. Augustine, St. Augustine Beach, South Nocatee & World Golf Village, we’re available 24/7 to respond to your water damage emergency. Our team of experts will:

  • Assess the damage and work with your insurance company.

  • Remove excess water and dry your property using advanced equipment.

  • Restore your home to pre-damage condition quickly and professionally.

Don’t Wait—Act Now!

If you’re dealing with water damage, contact us immediately to minimize the impact on your home and your wallet. Call SERVPRO of St. Augustine, St. Augustine Beach, South Nocatee & World Golf Village at 904-429-4457 for fast and reliable water damage restoration services. We’re here to make it “Like it never even happened.” day or night! 

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