房屋保險涵蓋水災？
房屋保險涵蓋水災？
 Homeowners Insurance usually covers water damage except as excluded on a policy! Water Damage due to Flood Waters from outside are not covered and also the Backup of Sewers/Drains may be limited or excluded on a home insurance policy unless endorsed otherwise. If water damage is caused as a result of a leaking roof or broken interior plumbing, the damage would usually be covered. Please note: plumbing is not covered by the home insurance policy since plumbing is expected to be maintained in good condition at all times by the homeowner. A home warranty policy may be separately purchased by the homeowner for maintenance repairs including plumbing. For further details on coverage, please consult your policy booklet and/or contact a licensed representative to assist reading the policy to answer your question in detail.
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