Many homeowners assume insurance will cover any water damage—but that's not always the case. Especially during fall, when rain and cold stress plumbing and roofing systems, knowing your policy details could save you from a denied claim.
What Insurance Typically Covers
- Sudden pipe bursts
- Accidental overflow from appliances
- Damage from storms (if properly maintained)
What’s Often Excluded
- Gradual leaks or seepage
- Damage from lack of maintenance
- Foundation leaks from poor drainage
- Mold growth over time
Why Leak Detection Helps Your Case
- Provides timestamps and alerts showing when a leak occurred
- Creates a digital record for insurance adjusters
- Shows proactive maintenance, helping with claim approvals
- Prevents escalation into larger, uninsurable damage
Fall Tips to Stay Covered
- Review your policy before winter
- Keep digital records of maintenance and repairs
- Install smart water monitoring devices
- Photograph vulnerable areas (roof, plumbing, crawlspace)
Your fall strategy should include both prevention and protection—because once the damage is done, your insurance may not cover the full cost.
