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  • Writer's pictureMy Private Adjuster

Understanding Homeowners Insurance: Does it Cover Water Damage from Rain?

In the event of heavy rainfall, homeowners may wonder if their insurance covers water damage caused by rain. In some cases, homeowner's insurance can indeed cover such damage, depending on how the rain infiltrated the home and the extent of the resulting harm.

The extent of coverage for rainwater damage to a home depends on the specific way the water penetrates the property. If the damage occurs suddenly and unexpectedly due to events like windstorms, homeowners insurance policies usually cover some of the costs associated with water damage. However, if the water damage is due to homeowner negligence, such as failing to repair a leaky roof, homeowners insurance will not cover the resulting damage. As a responsible homeowner, it's important to maintain your property to prevent potential water damage and to review your insurance policy to understand the extent of your coverage.

If you think you may need someone to check out your insurance claim, do not hesitate to contact us today! The Shelley Group, Inc. will assess the damage to your home or business property to help determine the scope of repairs and estimate the replacement value for those repairs.

WORKING FOR YOU, not the Insurance Company.



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