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Fire & Water - Cleanup & Restoration

Which Common Water Problems Are Covered by Insurance?

11/2/2020 (Permalink)

Air mover and dehumidifier placed in a building Commercial water damage in Topeka, SA

From damaged pipes to a leaking roof, there are many different losses a business can suffer due to water. Do you know what your insurance agent in Topeka, KS, is going to cover if water seeps into your facility?

Common Water Damage Losses

Water can get into your building in a lot of different ways. While damaged pipes are the most common, here are other reasons you end up with water damage.

Roofs that go unchecked can hold water and create backflow
Poorly maintained plumbing systems that have slow, leaking pipes
Frozen pipes that burst due to improper insulation during cold weather
Malfunctioning and outdated sprinkler systems
Sewage line backup
Natural Disasters such as heavy rain and flooding

Being mindful of all of the ways that water can get into your facility can help you come up with a prevention plan to protect against water damage.

What Is Covered?
You might be surprised to know that even though most of the above issues are considered “common occurrences,” they are not all covered by basic business insurance. In fact, it really comes down to the circumstances surrounding the incident as to whether or not it is claimable.
If the water damage happened suddenly, it is most likely covered. For example, if you have a pipe burst overnight and it floods three floors. However, if you were to discover damages that occurred slowly over a long period of time, repair costs might fall entirely on you.
The exception to the “sudden disaster” rule is a natural disaster. Often times, flooding is not covered under standard insurance and requires a separate policy.
Damaged pipes are just one mishap that will halt your work. The more you know about common water damage and what your insurance will cover, the more prepared you will be if you have to call your local professional restoration company for claimable repairs.

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