What is Gradual Damage in Your Home and When is Covered?

What Is Progressive Damage?

Gradual damage happens when something gradually causes harm to a home over time. Progressive water damage is a regular issue when filing insurance claims.

For instance, imagine you overlook replacing the leaking faucet handles on your sink. This water leak will eventually cause harm to your home. If you attempt to file an insurance claim when this occurs, it may be denied. Your insurance would notice that the problem has persisted for a long time and that you have neglected to make the necessary repairs.

Gradual Damage to Your Residence

A home is an intricate structure. Behind the walls and beneath the floors are wiring, pipes, and heating and cooling equipment. However, we can't see them. We only observe the walls, carpet, and our possessions. If you do not inspect and maintain these systems in your home, there may be underlying issues. If something goes wrong, you may not realize it until you observe the resulting harm. Typically, this is when someone attempts to make a claim.

What Are Some Examples of Progressive Damage?

Common sources of progressive damage that can result in the denial of a claim include:

• Leaking plumbing, faucets, or pipes cause damage to walls, ceilings, or floors over time.
• Damage caused by water pouring in through basement cracks
• Flashing, tiles, and shingles require repair on the roof.
• Mold, decay, and rust
• Corroded or old wires
• Poor or nonexistent repairs

You may not understand why a claim was denied. However, if you attempted to file a claim and it turned out that the damage occurred gradually, this is likely why your claim was denied.

When Is Subtle Deterioration Covered?

Here is when things become difficult. Based on the policy's language, you can determine what an insurance provider will and will not cover. Your agent or broker is the most qualified individual to discuss the facts with you. Request that they review your policy's exclusions and the sort of coverage you have.

All insurance policies exclude normal wear and tear and deterioration over time. However, there may be a few exceptions.

Examples of Claims for Gradual Water Damage

The wording of your policy can affect whether or not it pays out. Here are some examples of when you may receive compensation for gradual damage.

Mold Problems

If you have comprehensive insurance and mold issues arise due to a covered loss, you may be paid for remediation costs. This is not typical. In addition, you must adhere to the policy's terms for it to payout.

Some providers may allow you to purchase coverage for mold remediation.

This differs between states. In Texas, for example, policymakers have advocated for the addition of basic mold coverage to plans. Asking your broker is the best method to determine whether your policy includes this provision. It may be possible, but it will depend on the firm.

Tree Causing Roof Deterioration

Consider that a tree fell into a roof, creating a hole that allowed water to enter the house. A claim for water damage was filed, and the insurance company repaired the hole and roof.

Several months later, the homeowners noticed an odd odor and flaking paint in the area where the repairs had been made. They contacted their insurer, who instructed them to look for dampness or even mildew at the site of the previous damage, and they discovered further water damage.

Because this gradual water damage resulted from a previously covered claim, the insurance company has the option to cover it.

Broken Pipes and Water Damage

Consider a broken pipe or water tank that worsens with time or a malfunctioning washing machine. Not covered is the pipe, tank, or machine itself. However, the harm that results from the unexpected rupture may be covered.

The final damage is distinct from the beginning damage. For instance, if your policy specifies that water damage caused by a broken pipe or appliance is covered, you may be compensated for a portion of the damage regardless of whether the pipe replacement or new appliance wouldn't be covered. This is an instance when the cause of the injury is not covered, but the ensuing damage is.

What to Do When Claims Are Denied

First, if your claim is refused, be careful to request the complete reason. You have every right to know precisely what portion of the policy language excludes your request and why your claim was denied.

Numerous individuals represent the insurance company during a claim, so you'll want to know where the decision is made. Was it a representative, an insurance adjuster, or a contractor? Each individual plays a unique function. Don't be scared to request clarification to avoid misconceptions. When a claim is refused, you will often receive written notification of the decision.

If you still do not understand why something is not covered, you can determine if a review of your claim is possible. Don't hesitate to request a second opinion from your agent or representative. Neither party may articulate themselves clearly in a stressful situation such as a claim. You will want to ensure complete comprehension.

Why Did Coverage Not Apply?

Determine whether coverage for this type of damage would have been available through an endorsement.

You have the right to know what is covered (or could be covered) in the future by your insurance. You may also wish to determine why you did not possess it. You can switch insurers if you can obtain coverage elsewhere.

Obtain a second opinion from a licensed expert or consumer advocacy group experienced with insurance in your location if you believe that your coverage should have applied or that something is amiss.

Additionally, your insurance provider may have an ombudsman to evaluate your file. You can also contact your state's insurance commissioner for advice or to submit a complaint.

Avoid Having a Water Damage Claim Denied

Keep track of repairs and the help you've hired to maintain your home. This will be useful in the event of a disaster. Ensure that you understand all of the coverages on your policy. Understand both the exclusions and your responsibilities as a homeowner.

Perform routine home maintenance every spring and fall to avoid unpleasant surprises. Small maintenance performed periodically will prevent huge costs.

Ensure that you obtain the most appropriate insurance for your needs, and inquire about any additional coverages that may be useful.