YOU ASK:

What is the definition of Water-Damage Insurance Coverage?

WE ANSWER:

Water-Damage Insurance Coverage provides protection for losses caused by accidental water damage. The damage must be sudden, such as caused by the bursting of water pipes inside the house or the sudden influx of water through foundations and basement walls. This also protects against the accidental and sudden overflow of septic tanks, ditches and other sewer connections.

This insurance does not protect against damage because of acts of negligence and improper maintenance. Thus, the insurance will not pay for damage caused by dripping air conditioners. Also, this insurance does not cover against damage caused by flood. Protection for losses against floods is specifically covered by a flood insurance policy.

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