An overflowing bathtub is like having part of your home flooded. The water can easily destroy your bathroom flooring, leak onto lower levels, and cause mold. It’s important to know whether you have coverage to help with the damages.

Flood Insurance Coverage

Most Palm Coast, FL flood policies designed for flooding will not cover this damage. Water damage must meet several criteria to be considered flood damage. A flood usually affects at least 2–3 acres or properties. It must occur when water rises from the ground, such as during rainfall or when a river overflows. An agent at All Counties Insurance Agency & Traffic School can help you learn more about these criteria.

Home Policies

While your flood policy may not cover this damage, many home policies will. Most policies will cover sudden and accidental damage, such as an overflowing bathtub or a burst pipe. However, there are specific exclusions to remember. Policies exclude anything caused by lack of maintenance or neglect. So, if you know the faucet or drain is broken, fail to perform proper maintenance, and then your bathtub overflows, the claim may be denied.

Companies may deny part of your claim if there was already damage or if maintenance was neglected. For example, if the floor was already damaged by prior water damage and was not replaced or repaired, the claim may be denied.

There are several factors companies consider when deciding whether to approve a claim, and many of them depend on the circumstances. That’s why it’s always a good idea to call an agent here at All Counties Insurance Agency & Traffic School to discuss your situation. Contact us today. We’re currently serving the Palm Coast, FL area.