Your home can encounter problems stemming from water for various reasons, and some of these fall outside the purview of what your homeowner’s insurance will cover. For example, Newport Beach, CA residents whose problems arise from flooding will not be included.
A homeowners policy may contain a list of covered perils, and if your issue results from one of these, you will typically be able to make a claim. This category of insurance is referred to as named perils. If indemnification is labeled all perils, it usually extends to hazards unless they are specifically excluded. Your knowledgeable Murvay Insurance representative can provide more details.
Very often, homeowners insurance will take care of situations that are related to burst pipes, as this will occur inside the home and is not due to a flood situation. Plumbing malfunctions can also lead to mold and mildew, and as long as these are not caused directly due to neglect, you can seek financial remedy.
Broken windows can allow rain to pour into your property, mainly if a weather event, such as hail, causes them. Frozen ice or heavy snowfall on the roof may cause leaks when cold weather prevents thawing.
Your appliances can sometimes cause an overflow, which can happen with air conditioning systems, dishwashers, and washing machines. Water damage can also occur due to sprinkler systems when smoke detectors are activated or from hoses needed to put out a fire.
Murvay Insurance is Here to Help
We specialize in providing our Newport Beach, CA clients with the insurance products needed to suit their needs. We encourage you to reach out to us today, and you can do so online, on the phone, or by stopping in to speak with us personally.