When your home’s water heater stops working, you may be able to file an insurance claim for the damages. However, there are specific limitations regarding when this applies and how compensation for losses can be sought.
If you’re considering investing in flood insurance, let our team at Worthington Carroll Agency assist you. Contact us today to learn more about flood insurance options for Port Jervis, NY, and the surrounding areas.
When Can You File a Claim for Flood Insurance?
Flood insurance provides coverage for accidental and sudden losses. If you have a flood insurance policy in place, it can help in several scenarios.
For example, if temperatures in New York drop significantly, causing pipes to freeze, this could lead to damage to your hot water tank or even burst water lines. In such cases, flood insurance may cover the resulting damage to your home. Additionally, your homeowner’s insurance may assist depending on the specific circumstances of the situation.
However, if the damage is due to normal wear and tear or a lack of proper maintenance over time, your coverage may not apply. It’s essential to understand the distinction between covered events and those excluded due to negligence or the failure of aging equipment.
Alternatively, if your water heater damage is caused by external flooding—such as a nearby creek overflowing—this would fall under your flood insurance policy rather than your homeowner’s insurance. In all cases, to file a claim, you’ll need to contact your insurance adjuster to begin the process.
Let Your Insurance Agent Help You Navigate Your Options
For assistance with flood insurance in Port Jervis, NY, reach out to Worthington Carroll Agency. Our team is here to help you select the best coverage for your needs and guide you through the claims process.
