It is often assumed water damage discovered in the home would be covered in a homeowner’s insurance policy. What is Water Seepage or Leakage Coverage? As with most all line items included in your policy, it’s worth becoming familiar with each before it’s too late- and knowing when more protection is needed and available. This has also come after a similar sewage incident in 2015, resulting in a $341,000 payout at that time.Īccording to this resident, “It is terrifying that homeowner’s insurance doesn’t pay for this.”īut then again, homeowner’s insurance can pay for this form of damage if the specific coverage is added to the overall policy. What added to the emotional toll, though, was a big question: Who pays for the estimated $250,000 worth of damage?ĭue to a state law limiting the amount allowed in damage reimbursement like this, the city has currently only been able to offer a $120,000 payout- less than half of the estimated damage. Upon returning home from a vacation in late October of 2022, an Ashland resident walked through her front door and right into an unimaginable headache- a blocked sewer line found in the street in front of her house had back-flowed sewage directly into her home. You probably didn’t think you’d be grabbing for the phone so quickly just to call your insurance agent, asking how to add a Water Seepage or Leakage Coverage to your homeowner’s insurance policy.īut, then again, you probably didn’t expect to hear about someone in the local community coming home to a downright (and literal) toxic discovery.
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