What is ‘Water Exclusion Clause ‘
There is a provision in a homeowner’s or renter’s insurance policy that prohibits coverage for certain water-related claims. A water exclusion clause is most likely to apply to water damage caused by flood, tsunami, standing water, groundwater, and drain/sewage backup, among other types of water damage. Some forms of excluded water damage may be insured by buying a rider, but others are either not covered at all or can only be covered by obtaining a separate insurance from the primary policy.
Explaining ‘Water Exclusion Clause’
There are various different sorts of exclusion clauses that may be found in homeowners’ and renters’ insurance plans, and water damage is one of them. earthquakes, landslides, war, nuclear dangers, and government action are all examples of exclusions from the insurance policy. Fire, wind, hail, car damage, vandalism, theft, and falling items are just a few of the types of losses that are typically covered by most insurance plans, among other things.
Water Exclusion Clause FAQ
Is ground water covered by insurance?
Water entering the earth at or below the surface of the ground is not covered by homeowner's insurance policy. The basic line is that if water enters a property at or below ground level, the damage will not be covered under the insurance policy.
What is limited water damage coverage?
This limit applies to direct physical damage caused by a sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system, or from within a household appliance, and does not apply to indirect physical damage.
What is excluded from flood insurance?
Trees, plants, wells, septic systems, pathways, decks, patios, fences, seawalls, hot tubs, and swimming pools are examples of property and possessions that are not included inside an insured structure. Money, precious metals, and valuable paperwork, such as stock certificates, are all examples of valuables. The majority of self-propelled vehicles, such as automobiles, as well as their components.
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