Homeowners insurance in Marion, IL usually covers sudden and accidental water damage, such as from burst pipes or appliance leaks, but it does not cover flooding or gradual damage from poor maintenance.
What Types of Water Damage Are Typically Covered
Homeowners insurance in Marion, IL usually covers sudden and accidental water damage like burst pipes, appliance leaks, roof leaks from storms, and accidental overflows.
- Burst or Frozen Pipes – If a pipe bursts suddenly in winter, the damage is usually covered.
- Appliance Malfunctions – Leaks from dishwashers, washing machines, or water heaters are often included.
- Roof Leaks from Storms – If high winds or hail damage your roof and water enters your home, insurance may cover repairs and restoration.
- Accidental Overflow – Sudden overflows from sinks or tubs may be covered.
What Types of Water Damage Are Usually Not Covered?
Insurance typically does not cover flooding, sump pump failures without added coverage, or gradual damage from long-term leaks and poor maintenance.
- Flooding – Rising water from rivers, heavy rain, or groundwater seepage requires separate flood insurance.
- Neglect or Lack of Maintenance – Long-term leaks, mold growth, or ignored repairs are typically excluded.
- Sump Pump Failures – Unless you have added coverage, water backup from sump pumps is not included.
Why Insurance Coverage Varies?
Insurance coverage for water damage in Marion, IL varies because it depends on the cause. Policies usually cover sudden, accidental leaks or burst pipes but exclude flooding, sump pump failures, and long-term neglect unless you have added coverage.
FAQs
Does insurance cover water damage cleanup in Marion, IL?
- Yes, if the damage is sudden and accidental, such as a burst pipe. Flooding and neglect are not covered.
Do I need separate flood insurance in Illinois?
- Yes. Standard homeowners policies do not cover floods. You’ll need NFIP or private flood insurance.
Will insurance cover mold removal?
- Only if the mold results from a covered water event. Mold from long-term leaks is not covered.
Does Restoration Connection Inc. help with insurance claims?
- Yes. Their certified team assists Marion homeowners with documentation and works directly with insurers.
If you’ve experienced water damage, Restoration Connection Inc. can guide you through both cleanup and insurance claims. They provide 24/7 emergency service, certified technicians, and trusted local support.Phone: 618-925-0085
Website: restorationconnectioninc.com
Open 24/7 in Marion and Southern Illinois