It’s not a miracle; it’s homeowners insurance

Martha returned home after two weeks of vacation, only to find water cascading down the stairs from the second floor. When she rushed to her bathroom, she realized she had forgotten to turn off the faucet before leaving, and the bathtub had overflowed. What a disaster! The wooden floors in her bedroom were ruined, the kitchen ceiling was bulging, and water was seeping through the walls and ceiling of the living room, soaking a completely drenched sofa. “What do we do now?” Martha asked, horrified, as her husband stood speechless, taking in the scene.
Alex, their teenage son, suggested calling the insurance company: “Maybe they can help.” Indeed, after filing a claim, the insurance company, a reliable partner in times of crisis, sent an adjuster, and within two weeks, they received compensation that allowed them to repair and replace everything that was damaged. Martha and her family felt secure, acknowledging the crucial role of the insurance company.
But it wasn’t a miracle, as Martha exclaimed. The reality is that a standard homeowners insurance policy covers sudden and accidental damage to the home’s systems, such as a sudden water leak from an air conditioning unit, water heater, refrigerator, or a burst hose from a washing machine or dishwasher.
Homeowners insurance typically also covers the repair of damaged walls or drywall, the replacement of ruined wooden floors, and even the repair of a water-damaged sofa caused by a sudden leak.
However, it’s important to note that homeowners insurance excludes negligence, which can be defined as the failure to take reasonable care, damage caused by lack of maintenance or natural wear and tear of a home system, and flooding due to storms or heavy rains.
In short, understanding the importance of a good homeowners insurance policy can prevent headaches like the one Martha and her family faced, leaving you feeling informed and prepared for any unforeseen circumstances.
If you’re looking for more affordable homeowners insurance, contact Univista Insurance.
Call us today for a full rating! 305-267-7138. You can also quote for free here.