Several factors can cause water damage to your home, ranging from a collapsed roof to a pipe freezing and bursting. Flood insurance in Brownsburg, IN is specialized coverage designed to help homeowners with water damage, but it doesn’t cover all types of water damage.
Flood Coverage
Flood insurance policies provide coverage for water damage caused by an actual flood, which is typically defined as a rising body of water. For instance, if you live near a lake, heavy rainfall can cause the lake to overflow and flood the surrounding area. However, flood insurance generally does not cover water damage from other events, such as a collapsed roof.
Home Insurance
Home insurance policies may provide coverage depending on the cause of the roof collapse. Many policies include covered perils, which are specific situations that they automatically cover. If the roof collapses due to a covered event, such as a windstorm or heavy snowfall, your homeowners’ policy will likely cover the damage. It’s essential to speak with an agent at Grove Insurance Agency to understand what your covered perils are.
Common Exclusions
Insurance policies often include specific exclusions. For example, many policies exclude damage caused by a leaning tree falling on the home, as it is the homeowner’s responsibility to remove trees that pose a risk. Additionally, certain natural disasters, such as tornadoes, may require separate coverage. Always ask about exclusions in your policy to ensure you have the appropriate protection.
While flood insurance may not cover water damage from a collapsed roof, there are still options available. Contact a professional agent at Grove Insurance Agency to learn more. We proudly serve the Brownsburg, IN area.