Water damage from non-weather-related causes are often referred to as “leakage/seepage” claims, and some coverage should be available through your HO3 policy. However, not all water damage in a home is caused by a pipe bursting or a faulty clothes or dish washing machine.
Water Damage Caused by Animals
The Olympus Insurance Claims Team has seen several cases in which an animal has managed to access a tap and cause a minor household flood. In one case, a dog turned on the water in a tub, and it overflowed. In another, a cat turned on the water in a sink, causing major spillage.
In most cases, accidental water damage caused by similar incidents involving household pets is covered. Other potential water claims caused by animals can include pipes chewed into by squirrels or other rodents who get into the attic or inside the walls of a home and gnaw at electrical and water lines.
Other Potential Water Hazards
The Olympus Claims Team also reports that water damage can occur over time or suddenly in any number of ways, but most incidents are preventable with careful and consistent home maintenance, adequate communication, and strict attention paid to surroundings.
Leakage and seepage water damage claims account for the most claims after weather related damage in Florida. The Olympus Claims Team is always ready to help you in time of need, and in case of water damage, you can call our water remediation partner, Rytech, for immediate assistance.
About Olympus Insurance Company
Headquartered in Palm Beach Gardens, FL and founded in 2007, Olympus Insurance Company specializes in Florida property insurance. Through its independent agency force, Olympus insures $40 billion worth of residential and investment property including homes, condos, rental property, and valuable personal property, with umbrella coverage and Spartan Enhanced Coverage available. Coverage for individual risks up to $5 million in total insured value is provided on one of the most comprehensive coverage forms in the industry.
For more information, visit olympusinsurance.com.
This article is for informational purposes only and does not form a part of, replace, change or amend any terms, conditions, provisions or language within your Olympus Insurance policy. We encourage you to read your entire policy.