Is a Leaky Washing Machine Covered by My Homeowners Insurance?

We often take our appliances for granted until one of them breaks down or malfunctions. Most families use their washing machines every day. If your machine malfunctions, it can cause a lot of problems, including extensive water damage. By the time you notice that your washing machine is leaking, you can end up with a room full of water and damaged flooring. If you're wondering if your homeowners' insurance covers this type of water damage, in most cases, the answer is yes.

Is Water Damage from a Leaking Washing Machine Covered?

The majority of homeowners' policies will cover water damage caused by a leaking washing machine. Water damage that begins inside the home will more than likely be covered, while damage caused by water outside your home is not. You will need to review your policy and go over the list of perils that you are covered for very carefully. If you need clarification on any of them, you should call your insurance agent.

Tips for Filing Your Water Damage Insurance Claim

If you want to file a claim for water damage caused by your washing machine, the following tips will give you a good place to start:

• Take detailed photos of the damage, the water, and the area around your washing machine
• Call your insurance agent right away and tell them what's going on, and ask them what other steps you will need to take to file your claim
• Stop the leak and clean up the excess water
• Have an assessor check the damage and provide you with an estimate
• Talk to the insurance company and get the OK in writing to make the necessary repairs

Make sure that you pay your deductible and get a receipt. Your insurance company may ask for it later.

Common Causes for Washing Machine Leaks

A washing machine leak can be the result of a poorly connected hose or a hose that has been damaged. The door seal or flange may also be worn or damaged. Over time a drain pump can weaken or break. It can also become disconnected. Check your hoses and drain pumps regularly to ensure they are in good working order. If you have concerns, have an appliance repair technician come out and take a closer look.

Preventing Washing Machine Leaks

Proper maintenance is the best way to keep any appliance in good working order. When it comes to your washer, good-quality hoses and clean drains are a must. It's a good idea to go over your hoses and drains at least once a month to ensure they are in good shape and able to withstand the constant flow of water from your washing machine. It's also a good idea to keep debris and other items away from your appliances to ensure proper airflow and reduce your risk of water damage.

Cover Your Washing Machine Leakage with Kneller Insurance Agency

If your washer leaks and you have questions about filing an insurance claim against your homeowners' policy, you can contact us today. Our agents at Kneller Insurance Agency can help you get the answers you need when you are ready to file your claim. With proper care and maintenance, you can prevent water leaks and the damage they cause.