2. The Truth About Water Damage: What Your Homeowners Policy Doesn’t Cover

Water damage is one of the most common—and misunderstood—insurance claims in coastal areas. Not all water damage is created equal, and not all of it is covered by your homeowners insurance policy.

Why It Matters
Most homeowners insurance policies cover sudden, accidental water damage, such as a burst pipe. But they often exclude damage caused by water entering from outside the home—especially floodwater or storm surge. That means storm-related water damage might leave you footing the bill.

How It Impacts You
Imagine your home is flooded during a storm. You file a claim, only to learn that your policy excludes water damage from rising water or sewer backup. Without flood insurance or specific endorsements, you’re on your own financially.

Be Proactive
Review your policy language on water exclusions. Understand the difference between covered events (like a broken appliance) and excluded events (like groundwater or storm surge). Consider adding water backup or flood endorsements if your risk is higher.

How Mappus (Afore) Helps
We walk you through your policy and highlight areas of concern. Our team can help tailor your insurance to match your unique property and exposure, making sure no critical gaps are left uncovered.

Not sure what your policy covers when it comes to water damage? Let’s talk. Mappus/Afore Insurance will help you make sense of your protection—and improve it where needed.