Does Home Insurance Cover Water & Fire Damage If You Are At Fault?
If your Matthews, NC, home sustains water or fire damage your first thought is likely how you will afford restoration costs. If the damage was your fault you may be concerned about what insurance will cover. Learn about how home insurance can help when water and fire damage in Charlotte, Mathews or Pineville is your fault.
There are usually two types of coverage in a home insurance policy, dwelling coverage and personal property coverage. Dwelling coverage covers the damage done to the structure of your home while personal property coverage pays for personal items that were damaged.
Every policy is different and many policies have deductibles that will have to be covered.
If a pipe bursts insurance likely covers the damage, however, if the burst happened because of a lack of maintenance, then coverage may not apply to the damage. Insurance will also not cover the item that broke. So if the washing machine breaks, insurance will cover the floor, but not the washing machine.
Sewer backup damage is also not covered by insurance in most cases, but separate coverage is often available to protect from this.
If there is fire damage in your Pineville, NC, home, insurance will cover the damage as well as any possible hotel bills if the home is unsuitable. Landscaping may also be covered if there is a wildfire.
This doesn’t apply if you deliberately start a fire. If you start a fire on purpose and that fire gets out of control, you will likely be liable for all associated costs.
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