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Water damage can be one of the most frustrating and costly issues homeowners face. While a burst pipe or sudden flooding is usually covered by home insurance, what about the damage that happens slowly over time behind walls or under floors? At Old Pueblo Insurance, serving the greater Oro Valley, AZ, area, we understand the importance of knowing what your homeowners’ insurance covers, especially when it comes to hidden water damage.
Deciphering Hidden Water Damage
Unlike sudden and accidental water damage, hidden water damage occurs gradually. It could be a slow leak from a pipe inside a wall, moisture buildup under flooring, or a small roof leak that goes unnoticed until major issues appear. Because this type of damage isn’t always immediately visible, homeowners often don’t realize there’s a problem until they see mold, warped wood, or structural issues in their home.
Does Your Home Insurance Cover It?
Standard homeowners insurance policies typically cover sudden and accidental water damage, such as an unexpected pipe burst. However, most policies exclude damage caused by ongoing leaks, poor maintenance, or gradual deterioration. Insurance companies often consider hidden water damage to be preventable, which means it may not be covered unless you have specific endorsements or supplemental coverage.
Guarding Your Home from Costly Repairs
Regular maintenance and inspections are the best way to avoid expensive out-of-pocket repairs. Checking for leaks, maintaining plumbing, and investing in water detection devices can help catch small issues before they become major problems.
At Old Pueblo Insurance, serving the Oro Valley, AZ community, we can help you understand your home insurance policy and explore coverage options that protect you from unexpected costs. Contact us today to review your policy and ensure your home is adequately covered.
