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Write something about yourself. No need to be fancy, just an overview.
Oklahoma Insurance Professionals LLC Blog |
Write something about yourself. No need to be fancy, just an overview.
When Jason and Michelle returned from a long weekend away, they were met with a nightmare—water pooling in their kitchen and spreading into the living room. A pipe had burst under the sink, soaking their floors and warping the cabinets. In a panic, Jason called their insurance company, assuming their homeowners policy would cover the damage. But when the claim was processed, they discovered a costly surprise—not all water damage is covered by standard home insurance. Water damage is one of the most common home insurance claims in Oklahoma City, but understanding what’s covered and what isn’t can make all the difference. Let’s break down what your homeowners policy protects, where you might have gaps, and how to safeguard your home against costly repairs. What Water Damage Does Home Insurance Cover?Your homeowners insurance does provide coverage for certain types of water damage—but only when it’s sudden and accidental. That means if a pipe bursts, a washing machine overflows, or a water heater leaks unexpectedly, your policy is likely to cover the damage to your floors, walls, and belongings. Common Water Damage Scenarios That Are Typically Covered:
While these situations are usually covered, insurance policies can vary, so it’s always best to check your specific policy language or talk with an insurance agent to confirm your coverage. What Water Damage Isn’t Covered?Many homeowners assume that all water-related issues are covered, but that’s far from the case. Insurance companies do not cover damage that happens gradually or due to neglect. Water Damage Scenarios That Aren’t Covered:
If your home suffers water damage from a source not covered by your policy, you’ll be responsible for the cost of repairs. That’s why homeowners should consider additional coverages where needed. Do You Need Flood Insurance in Oklahoma City?Oklahoma may not be a coastal state, but flooding is still a major risk, especially during severe storms. Standard homeowners insurance does not cover flood damage. If your home is in a flood-prone area, purchasing a separate flood insurance policy can help protect you from costly losses. Flood insurance covers:
Even if you don’t live in a designated flood zone, consider how Oklahoma’s unpredictable weather could put your home at risk. Flood insurance can be a smart investment, even if it’s not required by your mortgage lender. What About Water Backup and Sewer Damage?One coverage option that many Oklahoma City homeowners don’t realize they need is water backup coverage. Standard homeowners policies usually exclude damage caused by backed-up drains, sump pump failures, and overflowing sewer lines. A water backup endorsement can help cover:
For a relatively low cost, adding water backup coverage to your homeowners insurance policy can save you thousands of dollars in repair costs. How to Prevent Costly Water Damage ClaimsThe best way to protect your home—and your wallet—is by preventing water damage before it happens. Here are a few practical steps to reduce the risk: 1. Insulate Pipes Before Freezing Weather HitsOklahoma winters can bring unpredictable freezes, which can lead to burst pipes. Wrapping exposed pipes and letting faucets drip in cold weather can help prevent major damage. 2. Check Your Roof and Gutters RegularlyA damaged roof or clogged gutters can lead to leaks inside your home. Inspect your roof for missing shingles and clean your gutters to prevent water buildup. 3. Upgrade Your Sump Pump and Install a BackupIf you have a basement or low-lying home, a sump pump with a battery backup can help prevent costly water damage from heavy rains. 4. Be Mindful of What Goes Down Your DrainsAvoid flushing anything other than toilet paper and never pour grease down the kitchen sink. Clogged pipes are a leading cause of backups. 5. Schedule Regular Plumbing InspectionsA professional plumber can identify leaks or weak spots in your plumbing system before they turn into disasters. A little maintenance now can save thousands in the long run. Does Your Home Insurance Policy Have Gaps?Not all homeowners policies are created equal. If you’re unsure whether your insurance covers water damage, now is the time to review your policy. Working with an independent insurance agency like Oklahoma Insurance Professionals can help you find the right coverage for your home. When reviewing your policy, ask your insurance agent about:
Having the right insurance coverage means you won’t be left paying out-of-pocket for expensive repairs after a water-related disaster. Protect Your Oklahoma City Home with the Right InsuranceWater damage can happen when you least expect it. Whether it’s a burst pipe, a backed-up drain, or unexpected flooding, having the right homeowners insurance can make all the difference. At Oklahoma Insurance Professionals, we help homeowners in Oklahoma City, Edmond, Norman, Moore, and surrounding areas find the best coverage for their needs. As an independent agency, we work with multiple insurance companies to provide competitive rates and coverage options that truly protect your home. If you’re unsure about what your current insurance policy covers or whether you need additional coverages like flood insurance or water backup protection, let’s talk. We’ll walk you through your options and make sure your home is covered for life’s unexpected moments. Contact Oklahoma Insurance Professionals today for a personalized home insurance review and protect your home before the next big storm hits.
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