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Tips on Some of the Things that Homeowners Insurance Don’t Cover

One thing that you should know is that for many homeowners they don’t know what their insurance does not cover. It is essential that you what some of these things are because staying in the dark can put you at a severe financial and liability risks. Read more now if you are looking forward to knowing some of this exclusions.

Flooding is one of the things that homeowners insurance do not cover. For instance, if you have a standard policy it might only cover you for the water damage that has been caused by the leaky dishwater. You find that with this policy you will not get protection from floods that are caused by natural disasters. In such cases, you will not be covered from heavy rainfalls or an overflowing body of water. Therefore, it is essential that you obtain flood insurance if you live in areas that are prone to flood.

Apart from that, we have sewer backups. You find that sewer backups are also one of the causes of water damage claims in your homes. You should know that sewer backup claims are not guaranteed in the typical homeowners coverage.

Apart from that, there is also gradual damage. This is a damage that occurs little by little over a long period. This is because most of them occur in hard to access areas such as roof, plumbing leaks, electrical wiring among others. For instance, the leaking pipes may damage the ceiling, wall and the floor and this is not covered in the homeowners insurance.

Not only that but there is also normal wear and tear. One thing that you should know that your roof protects both the outside and inside of your house by keeping away water. You find that the moment your roof will start to wear out, it will result into severe water damage. Therefore, you will have to pay attention to the signs of needed gutter replacement or repairs. Remember that you will use the money from your pocket because water damage has resulted from things that were not included in your cover.

Also, you should also look for termite infestation. One thing that you should know is that termite is very destructive and it can cost you a lot of money to control. Because of that it is good if you carry out home inspection every year since termite infestation is not covered in homeowners insurance.

Last but not least, we have nuclear hazards. One thing that you should know is that standard homeowners insurance excludes nuclear accidents plus the resulting damages.