Water Heater Leaked, Now my wood flooring is all messed up. Will my homeowner's insurance cover damages?

The water leaked into one of my rooms and now all the wood floring is damaged. I have Farmers Home Insurance. The heater has already been replaced with a new one, but the old one left us with all this "water damage"

Asked By: nmracing - 3/10/2008
Best Answer - Chosen by Asker
try calling your insurance provider and ask if he can look up your policy. he may tell you to call the 1 800 claim number and speak to a claims adjustor. i just hope farmers has much better adjustors than our insurance had, dang near had to sue my old provider TWICE. watch your back on estimates and what they offer you... More
Answered By: Mrs.J. - 3/10/2008
Additional Answers (7)
Your insurance will probably tell you this is "flood damage" and unless you had the rider attached they do not cover "flood damage".
Answered By: psycmikev - 3/10/2008
It depends on your policy. Check with the agent.
Answered By: oil field trash - 3/10/2008
With 'Farmers' who knows? You should be insured for all damages if this was not an act of god. Your agent better make good,fast!
Answered By: racer123 - 3/10/2008
Hopefully you still have the old water heater. If you don't, then you don't have any "proof" that the water heater actually failed and caused the damage. You need to call your insurance agent directly and have them come over to your house. That's what you pay them for.
Answered By: roadrunnerjim - 3/10/2008
From our experience with ANY insurance company - they will deny your claim. They have all manner of clauses built into their policies that will let them off the hook. Better to bank the money than to pay them their exhorbitant premiums.
Answered By: Susi C - 3/10/2008
Just be careful filing "water" damage claims. Sometimes ...even after just one claim you are put into a high risk category for 3-5 yrs. Your premium will shoot way up.
Answered By: Teri - 3/10/2008
it depends on what type of coverage you have. this normally is covered with specail coverage, its an appliance melfunction. it wouldnt be covered under a flood policy, because it is not dirty water from an outside source. the only problem that i would forsee in this situation, as an agent is verifying that you had... More
Answered By: sarah c - 3/12/2008
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