This hurricane season, it's important to review your renters insurance policy to check if you have coverage for water damage. ServiceMaster of the Upstate discusses the basics of renters insurance below.
What Does Renters Insurance Cover?
- Accidental discharge or fire sprinkler failure
- Accidental water discharge from plumbing or appliance
- Fire or lightning
- Freezing of plumbing systems
- Explosions
- Smoke
- Weight of sleet, snow and/or ice
- Windstorm or hail
Will Renters Insurance Cover Water Damage?
Water Damage from Flooding
- Flood damage is not covered by basic renters insurance. A renter has to secure a separate policy for flood damage especially if the area is a high-risk flood zone.
- The National Flood Insurance Program (NFIP) managed by the Federal Emergency Management Agency provides flood insurance to property owners, renters and businesses to help them recover faster after floodwaters recede.
Water Damage from Ceiling Leaks
- Renters insurance covers water damage caused by ceiling leaks.
- Alert your landlord as soon as you notice structural issues which may cause potential damages in the future, such as ceiling leaks, so that you will not be liable for them, assuming that you did not cause them. Your landlord is responsible for building maintenance, including leak prevention and repair.
Water Damage from Toilet Flood
- Toilet flooding from accidental overflows or discharges is covered by renters insurance. Overflows from a clogged toilet left unattended may not be covered, however.
- Water damage from sewage backups or underground water seepage may not be covered by renters insurance.
Contact Us for Water Damage Restoration in Spartanburg, South Carolina
- We are an IICRC-certified firm and a Preferred Vendor for insurance companies in South Carolina.
- We offer a FREE inspection and estimate.
- Call us at (864) 310-7891 to schedule an appointment for water damage restoration service.
- You may also message us online through our contact form.
- Our office is located at 170 Old Airport Road, Roebuck, South Carolina 29376.