Interior Damage and Your Home Insurance


When homeowners think about homeowners insurance in Antioch, CA, it’s likely that they think of events such as fires, storms, and natural disasters. Few rarely think about the interior damage that can happen over time, such as water leaks and mold. Do you even know if these events are covered by your policy? Here’s what you should consider.


Water Damage

Whether or not a standard home insurance policy will cover internal damage will depend on how the damage occurred. If it is sudden water damage from a burst pipe, wind-driven rain, or malicious criminal activities, it is likely that your policy will cover it. However, your coverage may not step in to help when there’s water damage resulting from gradual leaks, sewage backup, or flooding.


Mold Damage

Similarly, mold damage may or may not be covered, depending on what caused it. Mold that results from some types of water damage should be covered under your homeowners insurance. Removal of mold from your home is not covered if the mold resulted from flooding, ground seepage, or pipes that were poorly maintained. If a mold infestation was caused by a lack of maintenance or neglect, your home insurance will not often cover the damage.


Pet Damage

Typically, homeowners insurance will not cover any damage that your pet causes to your home or belongings. Standard coverage often excludes damage caused by a pet or domestic animal. However, liability coverage may provide protection in case your animal damages someone else’s property or injures someone.


It’s wise to know what your policy does and does not cover when you take a new one out. When you’re ready to secure a quality homeowners insurance coverage, talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!

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