Whether it’s your couch or your TV, water damage can ruin some of the most expensive items in your home. If you’re interested in how renters insurance would cover a flooding claim, we’ll look at what you can expect in Sioux City, IA and how to best protect yourself.
Is Flooding Covered by Renters Insurance?
No, flooding is not usually a covered event. However, it’s important to remember that your landlord is expected to take reasonable precautions to protect their tenants and their possessions. For example, if your place floods because the landlord failed to secure the building’s envelope, then they may share some or all of the costs to replace or repair your things.
Can You Get Supplementary Flooding Insurance?
Yes, you may be able to get flooding insurance through your current agency or through a national program, like the National Flood Insurance Program. It can help to talk to a trusted advisor, like the staff at Heimgartner Insurance Inc., if you have questions about the best path for you.
Does Your Renters Insurance Cover Internal Flooding Damage?
Potentially. For example, if you have water damage from a burst pipe or a toilet overflow, you may be able to file a renters’ insurance claim. Again, it’s possible that your landlord would also need to cover some of the potential damage if you can show that their negligence led to the incident.
When water damage can ruin more than just your carpets, Heimgartner Insurance Inc. helps the people of Sioux City, IA protect their belongings. Whether it’s expensive art or your favorite sweater, you can find coverage in a city that’s at moderate risk of flooding. Contact us today to learn more about getting a new policy or increasing the coverage on your current policy.
