Having your own home does not mean being immune to all problems. An owner or even a tenant may face many surprises. Whether it’s gas, electrical or plumbing issues, glitches vary from category to category.
Here, we will dwell on those relating to water, such as leaks, rising waters and others. So, what are the means put in place to be able to protect yourself from it? And how to deal with it?
What is water damage?
First of all, it is advisable to stop on the definition of this expression, meaning the presence of a guarantee, obligatory for the tenants, covering the damage relating to water.
Its role is to protect and indemnify the movable and immovable property of the insured against damage suffered, provided that it is related to water.
Damage covered by home insurance
First of all, it should be noted that the damage covered by home insurance is not always the same, you must make sure of the content of your contract, in order to know what to expect.
As for the types of damage that can be covered by this warranty, we can list as examples:
- Water leaks and their consequences
- Water infiltration, especially through the roof
- Pipe breaks…
The cases of exclusion of the guarantee
It is not concerned by the guarantee, any water leak or any damage relating to water, because indeed, there are certain exceptions excluding the responsibility of the insurer.
When the insurer’s liability is not engaged, it means that the contract does not cover certain specific situations. These include cases of negligence on the part of the insured who, for example, leaves water running or a window open.
Similarly, when due to a water leak, the bill is too high, due to the overconsumption of water during the leak, the costs of this do not depend on the insurer and are rather the responsibility of the insured.
In the event of an emergency, that is to say that you are in full observation of problems related to water in your home, it is advisable to have the necessary reflexes, if not to save the situation, at least lessen the consequences.
If the water comes from your home, it is therefore strongly advised to close all the water inlets, especially when the leak is significant. Contact a plumber as soon as possible to request his intervention.
It is also possible to contact your insurance, or at least its emergency service, if it has one.
In the event that the water comes from a neighboring dwelling, start by contacting the owners. If you do not receive any answers, you can always opt for a radical solution, which is to cut off the water supply to the entire building, remembering of course to warn all the occupants of it.
You can obviously clean, but without throwing anything away or refinishing anything.