Simply Explaining Insurance #77-Source of Damage

Claims can tough. I get calls every week from clients telling me that there is damage somewhere and asking if there is coverage. Unfortunately, that question is never easily answered.

What I help a client with, is determining the source of loss. If there is water damage, where did the water come from? Was it sudden and accidental or did it happen over time? The roof is leaking. What caused the roof to leak? Was it a bad storm or ice dam or did the roofer make a mistake upon installation?

It is only when these questions are answered, can we determine if there is coverage in your policy. Remember, neglect, wear and tear, and faulty installation are excluded from most homeowners policies. We suggest doing what you need to do to prevent further damage.

Next, have an expert in the proper field, come out and determine what caused the damage. Relay that information to your agent and an educated decision can be made on whether to file the claim or not.