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Water Damage And Home Insurance Claims: Tips For Japanese Policyholders – We recently had to deal with a water leak upstairs in our house and we, well, mostly learned a lot from the experience especially when it comes to how insurance works.
To quickly recap what happened at our house, our water heater leaked and is upstairs causing a lot of damage. If you want the details you can read the posts here. We have never experienced a leak in our home so we had no idea what to expect! Thank goodness we had excellent insurance that covered almost everything that needed to be done to our home to restore it to the condition it was after the water damage. I will always be grateful for the team at Safeco Insurance. 🙏
Water Damage And Home Insurance Claims: Tips For Japanese Policyholders
Let’s be honest – when it comes to our home I focus mostly on its design. I can make a bed and arrange a gallery wall like nobody’s business but ask me about insurance..? You’ll just get a blank stare.
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My wife, Yessika has over 20 years experience in the insurance industry so this lady knew what was coming! She mostly handled all the insurance stuff while I did things like sort carpet samples for the replacement carpet, LOL. This is a dynamic that is definitely not typical in a marriage, but in our marriage it works great 🙂
Not only is my wife extremely experienced in insurance, she also works for a very reputable insurance agency based here in San Diego called BFI Insurance. I decided to ask my wife and also Heather Brandt-Gastelum, agent and owner of BFI Insurance to give my readers some helpful facts and tips about home insurance and especially water claims. Together these two talented ladies are extremely knowledgeable in all things insurance and the information they both shared with us is truly eye-opening!
I share these facts in hopes that if you ever experience water damage in your home (and I hope not) you at least know what to expect. Being educated on this topic will definitely help alleviate some of the stress that comes with dealing with damage to your home.
I am so thankful that I had someone like my wife to rely on when it came to dealing with our water damage. I’m so inexperienced at this I’d be completely lost. If you are a homeowner, please review your home insurance policy carefully. There are so many details in insurance policies and today I know that it is very important to know how your home is protected and what is covered and what is not. If not for our insurance we would have had to pay over $11,000 out of pocket to restore our home. Fortunately we had the right coverage and the right insurance recommended by our insurance agent 💚. Phew! Apparently we had to wait so long to fix it that we were prone to mold!!!
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Anyway, I really hope this information helps you or at least gets you curious about your home insurance policy and gets you to start asking questions! And if you need help, feel free to call my wife Ysika at BFI Insurance with any questions! 🙂 In the middle of the night, Jackie’s dog alerted her to a massive water leak that caused over $100,000 in damage. This could have been avoided with an $8 device.
Around 1:30 in the morning, Jackie woke up to use the bathroom, which is on the first floor of her house. She moved the toilet and went back to bed, without thinking about it.
An hour and ten minutes later, at 2:40 in the morning, the dog woke her up with barking, insistence and irritability.
Jackie immediately knew something was wrong and got out of bed to investigate. What she found was devastating heartbreak.
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When she left her room, she stepped into puddles of water that flooded her entire house from a faulty water supply line in the bathroom.
Jackie’s house was renovated in 2015, and the 2013 bathroom serial number was less than 10 years old. The toilet supply line was damaged due to a manufacturing issue and broke after it flushed. The pressure from flushing the toilet caused the braided supply line to break, flooding her home for more than an hour.
During that hour, the entire first floor of her home filled with water, causing massive damage.
It is not only the most expensive but also the most destructive. Water damage leaves people displaced for more than 6 months on average. It can take even longer in high net worth homes with unique features and quality materials.
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And besides the destruction and restoration that is often required, there are many items that are lost. Customers often greatly underestimate the level of service needed to restore the home to its original condition.
After fixing up her house, Jackie bought new supply lines for all 3 of her toilets. It only cost her $8 to fix.
Also recommends installing an automatic water shut-off device in a full house and a monitoring system to prevent a repeat incident.
Installing an automatic water shutoff valve will stop the flow of water when a leak is detected. It also sends an alert to the app if an abnormal amount of water is used. They can be adapted to your home and plumbing system and will not affect your daily water use.
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These devices are easy to install and low cost, provide peace of mind and reduce the risk of catastrophic damage. Most insurance policies offer a credit or discount on the policy for one installation. can connect you with professionals to install the device.
In fact, 93% of all water leaks could have been prevented with an automatic water shutoff valve. This one device helps reduce the amount of damage and repairs needed in the event of a leak. This is the most effective way to prevent displacement and heartbreak from water damage.
“It was a hugely unfortunate moment for me to learn about the importance of an automatic water shutoff device.”
At , we go above and beyond to make sure our customers have peace of mind and prompt attention to their water damage insurance claims – that’s the difference.
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When you file a claim, an adjuster will contact you within two hours and get the information they need to schedule services. From our side, the average time until some form of payment for your claim is 48 hours.
Although we believe the information provided in this article to be accurate, we do not guarantee the accuracy or reliability of the information provided. is not responsible for, and does not endorse, support or approve any third party web pages, or their content, that may be linked from this page. Nothing on this page changes the terms and conditions of an insurance policy and is not intended to be considered legal, medical or other advice.
Winter Water Damage Prevention: 5 Ways to Protect Your Home How to Prepare for a Hurricane: Safety Tips and Hurricane Checklist With homeowners insurance, you may have coverage for certain perils, such as wind, lightning and hail. However, damage due to other causes, such as earthquakes and floods, may not be covered. This means that water damage is sometimes covered by homeowners insurance and sometimes not. Homeowners insurance may cover basement flooding if it is due to a malfunction such as a burst pipe. But damage from major floods is not covered, so a flood policy is the best protection. At David PopeInsurance Services, LLC, we’ve put together this guide to help you understand whether your policy will cover water damage and how to navigate water damage claims.
With the exception of fire, there is nothing more devastating to homes than water damage. Water damage is one of the most commonly reported home insurance claims, as well as one of the most expensive. In 2020, water and freeze damage accounted for nearly 20% of all homeowners insurance losses, costing an average of $11,650 per claim. Without home insurance, the repair costs would be out of your pocket.
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Fortunately, home insurance covers water damage in various scenarios. Under the standard home insurance policy, water damage must be internal and sudden to be covered. Your policy may also specify an additional requirement that the water not touch the ground outside.
Water damage can cause significant problems that may require replacement of destroyed property, repairs to part of your home’s structure, and even beyond a few days. The standard home insurance policy has three sections that may provide coverage if your home suffers water damage:
Water from a thunderstorm in the summer or snow in the winter can cause damage to the house. In a state with freezing winters, you may face prolonged blizzards and heavy snow. If temperatures drop below freezing, ice can form on your home. After a heavy snowfall, trees can collapse under the weight of the snow. All of this could lead to damage to your home.
Although hail and ice damage is usually covered under a home insurance policy up to the policy limits, coverage varies for water damage
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