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Think your standard homeowners insurance policy has you fully covered when water wreaks havoc on your property? Think again. In our latest video, the Dallas Fincham Team exposes three massive water damage myths that catch homeowners off guard every single year.
Whether you are facing a natural disaster or a sudden plumbing failure, understanding the fine print of your policy is the difference between a fully covered repair and a massive out-of-pocket expense.
What We Cover in This Video:
Myth #1: "I'm covered if my home floods during a natural disaster." * The Reality: Standard home insurance almost never covers rising surface water from storms or hurricanes. You need separate, specialized flood insurance for that.
Myth #2: "I'm covered if my sewer backs up into my sinks and toilets." * The Reality: This largely depends on the origin of the leak. Standard policies frequently exclude sewer and drain backups unless you have a specific rider or endorsement added to your coverage.
Myth #3: "I'm covered if my roof starts leaking during a major rainstorm." * The Reality: Unless the leak was directly caused by sudden, external storm damage (like high winds or a falling tree branch tearing a hole in the roof), insurance likely won't pay for it. Normal wear and tear is on you.
