Get DirectionsCondo insurance, or HO-6 insurance, provides essential coverage for unit owners around Avon Lake, OH. Understanding the various types of water damage covered under condo insurance and what is covered is crucial before filing a claim.
Sudden and Accidental Water Damage
Condo insurance typically covers sudden and accidental water damage, including damage from burst pipes and unintentional overflows from household appliances. If a pipe bursts unexpectedly, causing water to damage your walls, floors, or personal belongings, your condo insurance will likely cover the repair costs and replacement of damaged items.
Damage from Plumbing Issues
Water damage from faulty plumbing, such as a broken pipe or malfunctioning system, is generally covered. For example, if a pipe in your bathroom bursts and floods your unit, your policy would typically cover the damage to your personal property and the interior of your condo. However, maintenance and repairs for the upkeep must remain habitual.
Water Damage from Fire Suppression
If water damage occurs due to extinguishing a fire in your condo, this would be covered by your insurance. For instance, if firefighters need to use water to extinguish a fire, the subsequent water damage to your unit and belongings would be included in your policy’s coverage.
Limitations and Exclusions
It is important to note that condo insurance may not honor every type of water damage. Flood damage from natural disasters like heavy rainfall or storm surges is typically excluded and requires separate flood insurance. Additionally, damage from sewer backups or overflows may not be covered unless you have added specific endorsements.
Meiners Insurance Is There For You
Meiners Insurance is here for you when you need insurance information. Our services are available at the Avon Lake, OH locations and surrounding areas. Call today.
