Homeowners Insurance in Orlando and Issues of Flooding

There is a lot of concern and confusion about what types of water damage is covered under most homeowners insurance policies in Orlando. Water can cause damage to a house in many ways:


  • A flooded river


  • Rain through a leaky roof


  • A pipe that burst in a bathroom, or


  • Sewers that back up


It is important for you to know what is and isn’t covered under your policy and also what to do if and when water damage happens to your home.


Homeowner’s insurance doesn’t protect against flood damage


When flooding occurs in an area that causes damage to your house you will need a flood insurance policy. Most home insurance policies do cover other forms of damage that water can inflict. For covered disasters, the policy will reimburse you up to the maximum coverage, less the deductible.


Identifying the source of the water damage


For the purposes of insurance, water damage is defined differently from flood damage. Water damage is defined specifically as damage caused by water that affects any house before it touches the ground.


Types of water damage covered by HO-2 & HO-3 policies


Most homeowner’s insurance policies are classified as HO-2, which covers sixteen types of damage, or HO-3, which covers any damage not specifically exempt, such as floods. Both policies cover such events as:


  • Accidental water or steam discharges


  • Overflow from plumbing, air-conditioning, heating


  • Discharge from automatic fire-sprinkler systems, or


  • Water damage due to appliances (washing machines, dishwashers, etc.)


Prevention and solutions to avoid cancellations


Most insurers recommend taking the largest deductible on a policy that you can afford. This will help to lower premiums and reduce the incentive to make small claims as well. Even if the damage is slightly above the deductible, it might be worth handling it without involving the insurer to avoid losing your Orlando homeowners insurance policy altogether.