Stepping into the basement and seeing inches of water is enough to make any homeowner panic. Thankfully, homeowners insurance may cover the damage to your basement in some situations. At O’Mahony Insurance Agency LLC, serving the greater Macon, GA community, we’re here to provide you with the home insurance coverage that you need to rest assured that your home is protected.
Home Insurance and Basement Water
If you have water in your basement and are interested in filing a home insurance claim, it’s important to talk directly with your home insurance company to learn more about your coverage. Typically, homeowner’s insurance policies cover damage to basements due to water that comes from burst pipes or broken plumbing appliances (such as a leaky washer).
It’s important to note, however, that insurance typically only covers damage to the home and not the appliances that caused the damage. Basement water issues due to negligence (such as neglecting to fix a sink that’s been leaking for some time) are also typically not covered by home insurance policies.
Water in the basement that comes from flooding or groundwater after heavy rains is typically not covered by home insurance policies. Generally, if the water in your basement is caused by an issue within your home, it’s usually covered by homeowner’s insurance. If the water is caused by an issue outside of your home, it’s typically not covered.
We Can Help!
At O’Mahony Insurance Agency LLC, we’re proud to serve Macon, GA homeowners with the policies that they need to rest assured that their homes are protected. Reach out to us today to learn more about how we can help.