![]() ![]() Water leaks are classified as either sudden and accidental property damage or gradual property damage, depending on Florida insurance companies. How Do Florida Insurance Companies Classify Water Leaks? In cases where an insurance company does not want to cover your claim for sudden water damage, contact an experienced Florida property damage lawyer for legal representation.If experiencing sudden water leakage at a home or business location, turn off the main valve immediately and contact a qualified professional for further guidance on how to reduce potential risks from the leak.Florida homeowners can take steps to mitigate the risk of sudden or accidental water leaks by properly insulating/sealing plumbing pipes, scheduling routine plumbing inspections, maintaining the hot water heater regularly and investing in a leak detection system.Sudden and accidental water damage claims may or may not be covered depending on the insurer’s policy.Sudden signs of a major water leak in the home include water stains, musty smells, unexpected increases in utility bills, and water spots appearing in unusual places.The most common causes of water leaks in Florida are broken pipes, improperly installed water lines, and poor drainage systems.Florida insurance companies classify water leaks as either sudden and accidental property damage, or gradual property damage.We broke down critical information about sudden and accidental water leak however, here are the key bullet points if you are in a rush: ![]() The Cliff Notes: Key Takeaways From This Post We’ll also discuss the ways a water leak can affect your homeowner’s insurance. In this blog post, we’ll break down how Florida insurance companies view water damage claims, what qualifies as a sudden and accidental water leak, how to detect leaks sooner, and what to do if this happens in your home. Instances that may seem sudden to the owner may have been in the works within their walls for a while. This is tricky as even the most responsible homeowners may miss the signs of a gradual water leak until the damage has become significant. The harsh reality is that your homeowners insurance policy may not cover many types of water damage – unless it can be determined that it was caused by a sudden and accidental water leak. From burst pipes to hurricane surges, water damage can leave your home in a devastated state. ![]() ![]() Or, you can call us on 0800 80 24 24 to have a chat through your options.If you’re a Florida homeowner, you know that property damage caused by water leaks is an all-too-common occurrence. The Essentials policy covers your home for sudden and accidental loss caused by the events specified in the Policy Wording.įor more information, check out the comparison table on our Home insurance page and read through the policy wordings. Our Home Essentials policy covers your home for its present value (excluding the value of the land). This may* include added benefits like alternative accommodation costs if you can’t live in your home after a loss covered by the policy, hidden gradual damage, and breakage cover for your windows**, doors**, sinks, and basins. You’ll be covered for sudden and accidental loss that occurs to your home during the period of cover. This policy will cover your home for its rebuild value, including demolition and removal of debris costs, up to the sum insured amount stated in your Policy Schedule. Our Home Comprehensive policy is our full cover option. ![]()
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