Homeowners insurance generally doesn't cover damage caused by floods, earthquakes, landslides, sinks, wear and tear, animals or insects, or water accumulation. Standard home insurance DOES NOT cover damage caused by floods, earthquakes, termites, mold, or normal wear and tear. Learn about the different exclusions of homeowners insurance and how to get coverage for Duct Cleaning near West Ashley SC. When it comes to home insurance and water damage, things can get a little complicated. But the important thing to remember is that your home insurance covers sudden and accidental water damage as a result of things like a failed plumbing installation or a broken pipe.
It does not cover damage caused by slow water leaks that, over time, create hidden damage. It also doesn't cover the cost of replacing the broken pipe, just the damage caused by the released water. Your home insurance doesn't cover mold damage that results from types of losses that aren't covered by the policy, such as flooding or high humidity. However, most companies offer limited coverage if the mold is the result of a covered instance, such as mold caused by water used to extinguish a fire.
