Is My Appliance Leak That Flooded My Home Covered By Insurance?

Leaking appliances are a homeowner's nightmare. Who would think that something so simple as a washing machine, dishwasher or refrigerator could cause such significant water damage to your home?

I Have An Appliance Leak That Flooded My Home. What Do I Do Now?

Let's walk through the steps so you know what to do if you experience an appliance leak.

Turn Off the Water Supply and Electricity

Always turn off the water supply first thing when you discover water flooding from an appliance. If the appliance is connected to a water line (even a fridge that has an ice machine) you have to shut off the water supply valve. Also turn off the power supply to avoid any potential hazards, such as electrical shock or short circuits.

Assess the Damage

Once the water source and electricity have been shut off it's time to assess the damage. Make sure you take photos of the flooding, any damaged items as well as the appliance itself. Try to take some close up photos (and video on your phone if possible) as well as some with context that include the appliance. Document everything for your insurance claim. Water can quickly leak into walls, flooring and furniture which causes serious, long-term damage if it is not addressed right away.

Call First In Restoration

Even if you’re able to stop the flooding, water damage should not be handled on your own (unless you like long term damage and mold). It should be a priority to call a professional water restoration company to assess the situation and begin water mitigation on your home. We will extract standing water and dry out your home, but also inspect for mold growth, which can start within 24-48 hours. First In Restoration is the number one water damage restoration company in Georgia. With years of experience, we are experts in handling all types of water damage: from appliance leaks to flooding caused by storms or plumbing issues. We are available 24/7 to respond to emergencies and will provide you with fast, efficient and the most reliable service you need.

Contact Your Local Insurance Agent

Once the immediate crisis is under control you will need to contact your local insurance agent. However, some appliance leaks are covered by insurance and some are not. It truly depends on the cause as well as your policy. Some examples:

Is the Leak Covered? Sudden and accidental water damage caused by appliances like dishwashers, washing machines or refrigerators are covered, as long as the leak was unexpected and not due to neglect. If the appliance suddenly broke down or malfunctioned unexpectedly, it could be covered. But we can't say for sure -- ALWAYS CHECK YOUR POLICY.
What’s Not Covered? Lack of maintenance to your appliance will not be covered if it floods your home. If your water damage is caused by a clogged drain or old appliance hose, your insurance will not cover the cost of repairs. Wear and tear is on the homeowner and general upkeep. The insurance will not cover this.

Make sure to review your policy and don’t hesitate to ask your insurance company about specific exclusions or coverage limits related to appliance water damage.

File a Claim and Keep Your Documentation

To file an insurance claim you must provide your insurance company with the documentation you’ve gathered. Always include photos of the damage as well as a written description of what happened. First In Restoration keeps detailed notes, photos and videos and can provide a report detailing the extent of the damage, which can help support your insurance claim.

Repair or Replace the Appliance

Once the water damage has been extracted and mitigated you’ll need to figure out what to do with the appliance. If the appliance is repairable, a repair technician can fix it. However, if it’s ruined beyond repair, you’ll need to replace it. Check with your insurance provider to see if appliance replacement or repair costs are covered under your claim.

Prevent Future Leaks To avoid future appliance issues you need to regularly inspect and maintain your appliances. Hoses and filters have a shelf life. Keep them changed out and check for leaks and corrosion regularly to keep your appliances in working order.

If you had an appliance leak that flooded your home we know you are frustrated. At First In Restoration, we understand how overwhelming water damage from appliances can be. As Georgia’s top water damage restoration company, we offer fast and thorough water damage mitigation services. Whether you’re dealing with a leaking appliance or any other water damage emergency, you can count on us to provide the highest quality service. Call us 24/7 to ensure your home is restored safely and effectively! 470-748-0225, www.firstinrestoration.com