CWI Underwriters Blog

Damage from water is a major concern in Ft Lauderdale. Ft Lauderdale insurance claims made against damage to homes from hurricanes are common. Residents usually need to purchase a separate flooding insurance in case of such natural events. Premiums on these stand alone policies will vary according to whether or not you live in what is considered a “high risk” area. However, water damage to the home may manifest itself in a number of other ways, which may or may not be financially covered by your homeowner's insurance.

Water damage may occur from a leaking water pipe or burst water main which drenches the home. This may also occur where there is a long term water-related problem, such as a leaking shower.

Whether or not these domestic events are covered under your homeowner's policy depends on the type of leak. In the event that the leak is a long term problem, such as a leaking shower over a number of months or years, the insurance provider may look at this as a failure to maintain the house properly. On the other hand, if the damage is due to a recently damaged water pipe, the insurance provider might see this as covered under the policy.

One of our agents should be able to assist you with any questions on homeowners’ insurance and Ft Lauderdale insurance in general. Don't hesitate to get in contact and arrange a consultation.