One of the leading causes of water loss is appliance breakdown. It may be from a washing machine, refridgerator, or water heater. In all of the those circumstances, the same coverage would apply.
What part of my coverage covers appliances?
Since appliances are not a permanent structure to the home, they are not covered as part of your dwelling coverage. There is coverage for them under your personal property section. However, this coverage applies as the result of a direct loss. The direct loss must be a covered peril on your policy for coverage to extend. There is not coverage for mechanical break down or regular lifetime use.
Covered perils
If a fire consumes the home, you would have coverage to replace your appliances. If lightening strikes your air conditioning unit, you would have coverage to replace it. In both of those instances, the appliance was lost due to a covered peril.
Regular use
In the event that your washing machine malfunctions, there is not coverage to buy a new one. If your appliance came with a warranty, you can try to contact the manufacturer. It’s possible they will replace the unit. And potentially any damage it caused as well.
Coverage for water damage
If there is no warranty or assistance available, then your insurance is the next option. If the leak causes water damage to your floors and walls, that damage would be covered. You could file a claim for the drying, repair, and replacing of drywall, carpet, tile, and so forth.
If I have a loss, what do I do?
When a water issue arrises due to an appliance, be sure to follow these steps. Discontinue use of the appliance and turn off water to it. Dry the area as best as possible. Give me a call to review your coverage and discuss your deductible. Have a contractor give you an estimate. If the damage is at or below your deductible, proceed with the repairs yourself. If the damage is signficantly over your deductible, then it is time to file a claim.
