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Protect Your Home from Water Damage: Navigating Insurance Options

Contractors frequently witness the destructive power of water leaks. Even seemingly resilient materials like concrete and granite are vulnerable. It’s a common question: can water damage concrete foundation? The answer is a resounding yes. Persistent leaks can gradually erode concrete, leading to cracks and compromising the foundation’s stability. And can water damage granite? Although granite countertops are known for their strength, standing water can leave unsightly etch marks or stains, diminishing their beauty and functionality.

Understanding your insurance coverage is crucial. Does homeowners insurance cover water damage? Generally, yes, but the cause of the leak matters. Homeowners insurance typically covers repairs for sudden and accidental leaks, like burst pipes. Does homeowners insurance cover water damage from a leaking roof? Usually, as long as the roof has been well-maintained. However, damage from gradual wear and tear might not be covered.

This is where hurricane insurance plays a vital role. It’s a separate policy specifically for hurricane-related damage, including wind and rain that can lead to roof leaks and subsequent water damage. So, does hurricane insurance cover water damage? If a hurricane damages your roof, causing water to enter your home, hurricane insurance would likely cover the repairs.