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Six Water Damage Gaps in Your Homeowner’s Insurance Policy


    Andersonville Water & Flood Damage Restoration - Chicago - ServiceMaster Restoration By Simons

    Having a Water-Damage-related disaster in your Chicagoland home is not the time to find out that you don’t have Water Damage insurance coverage.


    Water Damage insurance coverage can vary depending on the cause and the specific policy. Some losses either aren’t covered at all or they’re only partially covered.


    Here are six of the most common gaps in insurance coverage for water damage:


    • Flood damage:

    Homeowner’s insurance typically covers water damage caused by sudden and accidental events. Burst pipes or a newly leaking roof from storm damage may be covered. However, flood damage is typically not covered under a standard homeowner’s insurance policy. Damage from floods is typically defined as water that covers at least two acres of land or two or more properties. Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer.


    • Sewer and drain backups:

    These problems are typically not covered unless the policy has been specifically endorsed to include them. It’s usually available as an optional endorsement or as a separate policy.


    • Improper maintenance:

    Homeowner’s insurance may not cover water damage caused by a lack of proper maintenance. This may include broken sump pumps, clogged gutters, slow drips by pipes, ice makers, and toilets. These can eventually destroy walls and floors. This type of damage is considered to be preventable and is the homeowner’s responsibility. It is important to regularly maintain and properly care for your home and its systems to avoid potential damage that may not be covered by insurance.


    • Gradual damage:

    Any damage that occurs over a long period of time as a result of wear and tear or neglect is usually not covered. Examples of this are water damage from a leaky roof that has been left unrepaired or rot due to a persistent moisture problem. This type of damage is judged to be avoidable and the homeowner is accountable for it. Some insurance policies offer optional coverage for this type of damage.


    • Termites:

    Water damage attracts termites as wet wood makes a perfect home for them, giving them both the moisture and food they need. But homeowner’s insurance typically does not cover damage caused by termites. The destruction they cause is deemed to be avoidable and is the homeowner’s responsibility. However, some insurance policies may include limited coverage for termite treatment and extermination.


    • Mold:

    Homeowner’s insurance typically covers mold damage if it’s a result of a covered event, such as a burst pipe or a storm-damaged roof. However, mold growth due to homeowner neglect, such as a continuing moisture problem, is usually not covered. Coverage for mold damage can vary greatly among insurance policies.


    Homeowners need to review their insurance policy carefully to understand what is covered in the event of water damage. Consider purchasing additional coverage if necessary to fully protect your home and possessions from water-related risks.


    ServiceMaster Restoration By Simons is Chicagoland’s premier water damage restoration, sewage cleanup, and mold remediation company. If you have a problem, we’ll be on-site within 2-4 hours to stop further damage and remove all water and moisture. We’ll also work with your insurance company to ensure that your property is restored to its pre-loss condition.

    Call us at 773-376-1110


    • Sam Simon

      Sam Simon is a very accomplished individual. He is gifted in the areas of creativity and operations - managing and directing restoration of large commercial losses to the every day residential water damage. He recently achieved the coveted title of Master Restorer by the IICRC (Institute of Inspection Cleaning and Restoration Certification) after countless hours of classroom training & education. Sam is knowledgeable on a vast range of disaster restoration topics from water damage/flooding, mold remediation to advanced drying, fire & smoke restoration, and specialty cleaning (carpet and upholstery). Given Sam's background in the television industry as a videographer and cameraman, he lends a creative flair to the company's strategy marketing planning efforts and is well regarded in the restoration industry.

      About ServiceMaster Restoration By Simons
      Restoration By Simons is an MBE/WBE certified firm and family-run company serving both Cook and Lake County, Illinois. Recently, the company was awarded a variety of honors, including the SB100 Best of Small Business Award Winner 2021, Bronze Stevie® Award in the Female Entrepreneur of the Year category in the 18th annual Stevie Awards for Women in Business, recipient of the 2020 Better Business Bureau's Torch Award for Marketplace Ethics, and the recipient of the 2020 Skokie Business of the Year Award, Honorable Mention Category. Restoration By Simons provides disaster restoration services including water and flood damage restoration, fire and smoke damage restoration, mold remediation, to residential and commercial customers in both Cook and Lake County IL.

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