Your Homeowner's Insurance policy protects your property against most unforeseen occurrences but no policy will cover every incident. When it comes to water damage the circumstances will determine if the damage is covered or excluded. Some common exclusions are:

Flood or damage caused by ground water or a rising of the water table. If you are choosing to build or buy beside a body of water, you must personally accept the risk that uninsured flood damage may occur.

Wear and tear or damage caused by rust or corrosion. Damage caused because your roof is in ill repair and has been leaking for years will not be covered.

Damage caused by repeated seepage of water into the dwelling, for example, over a window sill or through the foundation.

Backing up or escape of water from a sewer, sump, septic tank, eaves trough or downspout. It is important to note that this coverage can usually be added on to your policy with a " Water Escape" or a "Sewer Back Up" endorsement, for a small additional charge.

Freezing of outdoor swimming pools, outdoor hot tubs, or any other outdoor water equipment.

Water damage caused by freezing if you are away for more than four days and don't make arrangements to have someone check your home or shut the water off and drain the systems.

When it comes to water damage, prevention is the best policy.

Contact Mooney Insurance Agency Ltd. if you have any questions about water damage and your homeowner's policy.

For more information, E-mail us at info@mooneyinsurance.com