When it comes to AAA home insurance, it’s crucial to know exactly what is covered and what is not covered. Many homeowners with AAA insurance think about Does AAA Homeowners insurance covers water damage.
Let’s take a closer look at AAA insurance to find out what’s covered.
is AAA Homeowners Insurance Cover Water Damage?
Absolutely! AAA homeowners insurance offers coverage for water damage. If your home encounters issues related to water, such as burst pipes or leaks, AAA is ready to assist.
It’s crucial to understand that this coverage goes beyond common situations and includes protection against natural disasters like floods.
If your home has water damage, you can rely on AAA for help. They understand the problems homeowners go through and try to make the process of getting help easy.
To ensure you get the necessary assistance, it’s important to document the damage and promptly contact AAA to start the claims procedure.
Whether it’s damage from a plumbing problem or the aftermath of a flood, AAA’s coverage is designed to offer financial protection and aid in your recovery.
How Much Is AAA Car Insurance A Month?
Is Triple AAA Car Insurance Good?
Water damage in Homes mainly Happened By?
| Cause | Percentage of home insurance claims |
|---|---|
| Wind and hail | 39.4% |
| Fire and lightning | 24.8% |
| Water damage and freezing | 23.5% |
| All other property damage | 9.4% |
| Liability | 2.3% |
| Theft | 0.7% |
Source – Insurance Information Institute
What kind of water damage does home insurance cover?
Usually, home insurance covers water damage that happens suddenly and by accident, like when a pipe bursts.
But it doesn’t cover slow damage, such as a sink that’s slowly leaking. Also, it won’t cover damage from flooding, like when there’s a lot of water from a hurricane.
Here are some types of water damage that home insurance usually covers,
Water Damage After a Fire
If water is used to put out a fire, like from a sprinkler system or a fire department hose, it’s usually covered.
Accidental Leaks
If something like plumbing or an appliance (like a washing machine or dishwasher) accidentally leaks.
Burst Pipes
When a pipe bursts, it’s usually covered. But if it happens because you didn’t keep your home warm enough in freezing weather, it might not be covered.
Roof Leaks
If your roof leaks because of a storm or a tree falling on it, it’s usually covered. But you need to fix the damage reasonably soon after it happens.
Storm Water Damage
Damage from storms, like heavy rain or hail, is typically covered.
Ice Dams
If ice builds up in your gutter and causes damage suddenly, it might be covered. But if it’s because you need to maintain your home well, it might not be covered.
Note:
Home insurance usually has two parts.
- The first part covers damage to the house.
- The second part covers damage to your belongings. Both parts are included in one policy.
Home insurance also covers damage to separate buildings, like a garage turned into a guest apartment. You can increase coverage limits to provide more protection for these detached structures.
Does AAA Offer Gap Insurance? Apply Now
How to Cancel AAA Auto Insurance?
What kind of water damage does home insurance not cover?
Here are some problems that are usually not covered by regular home insurance:
Foundation Leaks
Water damage from leaks through the foundation is not covered.
Sump Pump Failure
If your sump pump fails or related equipment malfunctions, you might need separate coverage.
Flood Damage
Home insurance doesn’t cover damage from floods caused by things like hurricanes, tsunamis, or overflowing rivers. If you want coverage for these situations, you should get flood insurance.
Intentional Acts
If someone purposefully damages your home, like setting it on fire or turning off the heat during winter, the water damage won’t be covered.
Fixing Broken Things
If something in your home, like a dishwasher or washing machine, breaks and causes water damage, the insurance won’t pay for fixing or replacing that broken thing.
Sewer or Drain Backups
Unless you bought special coverage, home insurance won’t cover water damage caused by backups through a sewer or drain.
Lack of Maintenance
If water damage happens because you didn’t take care of your home properly, like not fixing a plumbing issue or not keeping your home warm in freezing weather, it won’t be covered.
Earth Quake
Damage from things like earthquakes, landslides, or mudslides is not covered. If an earthquake causes a pipe to burst, the water damage probably won’t be covered. You need a separate earthquake insurance policy for that.
Leaks from Other Structures
Damage from leaks in things like swimming pools or other structures is usually not covered.
Mold
Mold is often excluded because it’s seen as a long-term problem. You can get extra coverage for mold, but it usually has a limit of $5,000, which may not cover all the costs. Also, you need to add this coverage before any mold issues are found.
AC/HVAC System
Whether your heating and cooling system is covered depends on why it got damaged. Normal wear and tear are usually not covered unless you buy extra coverage. If it’s damaged because of another incident, like a fire, you should be covered.
Fences, Sheds, Landscaping
Landscaping is usually not covered because it’s considered part of your land. Fences, sheds, and detached garages are usually covered, but it’s essential to inform your agent if you upgrade a structure.
Expensive Home Insurance Claims In 2024
| Claim type | Average claim paid |
|---|---|
| Fire and lightning | $83,519 |
| Bodily injury and property damage | $31,663 |
| Wind and hail | $12,913 |
| Water damage and freezing | $12,514 |
| Medical payments and other | $10,179 |
| All other property damage | $7,460 |
| Theft | $4,646 |
Source – Insurance Information Institute
How Can I Protect My Home From Water Damage?
Here are the 11 ways to protect your home from water damage
Plumbing Maintenance
Regularly check for issues like clogs, pipe corrosion, and freezing temperatures that can lead to burst pipes. Insulate pipes in freezing weather to prevent damage.
Leak Detection Systems
Install flow-based water-leak detection devices like Moen or Guardian systems to automatically shut off water in case of a leak.
Roof Inspection
Have a professional inspect your roof yearly to catch and fix potential leaks caused by broken shingles or damaged flashing.
Clean Gutters
Regularly clean gutters to protect your roof, reduce moisture around windows, and redirect water away from your home’s foundation.
Secure Storm Windows
Ensure storm windows are fully closed to prevent leaks. Consider drilling holes in old windowsills for drainage.
Appliance Maintenance
Check and replace supply hoses for water-using appliances like washing machines, dishwashers, and ice makers.
HVAC System Service
Keep HVAC systems well-maintained to prevent condensation-related leaks. Ensure drip pans and drain lines are clean.
French Drains
Consider installing French drains along your home’s foundation to disperse and redirect water, especially if you notice pooling.
Sump Pump Backup
Provide a backup power source for sump pumps, and consider whole-home generators for insurance credits.
Know the Water Shutoff Valve
Everyone should know the location of the main water shutoff valve to quickly respond to leaks.
Turn Off the Water When Away
If leaving for an extended period, turn off the water supply or have someone check your home periodically to reduce the risk of water damage.
Wrap Up
When you own a home, it’s important to know what your insurance covers. With AAA Homeowners Insurance, you’re in good hands when it comes to water damage.
Whether it’s a sudden burst pipe or the aftermath of a flood, AAA has got you covered. They go the extra mile, not just for common issues but also for protection against natural disasters like floods.
It’s comforting to know that AAA is committed to providing financial protection and help in the recovery process.
Frequently Asked Questions
Does AAA cover flood damage?
Yes, AAA includes flood damage coverage for natural disasters like hurricanes.
Are slow leaks covered?
Generally, no. Home insurance focuses on sudden damage, not slow leaks.
What water damage does home insurance cover?
It covers damage after a fire, accidental leaks, burst pipes, storm-related roof leaks, and damage from rain or hail.
What’s not covered in water damage?
Exclusions include floods, intentional acts, fixing appliances, sewer backups, lack of maintenance, earthquakes, and leaks from other structures.
Does home insurance cover mold?
Usually not, but you can add limited coverage before discovering mold issues.
Methodology
We made this guide by looking closely at what AAA Homeowners Insurance covers, especially when it comes to water damage.
We checked what the insurance protects and what it doesn’t giving homeowners a clear idea of what their insurance can do.
The tips we shared on preventing water damage were put together to help homeowners take practical steps.
Recent Posts
- How To Pay AAA Insurance With a Credit Card?
- Is Geico Cheaper Than AAA? Complete Guide
- What Are The Types of AAA Insurance Policies?
- What Steps Should You Take Immediately If You Are Involved In A Collision?
- How To File A Car Accident Claim With AAA Insurance?
- What is the Difference Between AAA Plus and AAA Classic?
He is an experienced financial strategist, insurance adviser, and legal expert. With extensive knowledge in finance and law, Jesuraj provides valuable insights.
His passion is simplifying complex concepts, empowering readers to make informed decisions about their money and insurance.
Get ready for expert advice and in-depth analysis as Jesuraj S. guides you through the diverse world of finance, insurance, and legal matters.
- How To Pay AAA Insurance With a Credit Card? - February 12, 2024
- Is Geico Cheaper Than AAA? Complete Guide - February 12, 2024
- What Are The Types of AAA Insurance Policies? - January 24, 2024