Does home contents insurance cover a broken washing machine?
Water damage caused by a broken washing machine, unfortunately, happens quite often. So what about insurance? Does your home contents insurance cover damage caused by a broken washing machine? We’ll explain it to you.
Is damage caused by a broken washing machine covered by home contents insurance?
Leaks in washing machines are common. This is because a washing machine has many different areas where a leak can occur. The water damage caused by a leak in your washing machine is often extensive because many people keep their washing machine on the top floor. Usually, a broken or porous drain hose is the cause of the water damage. It also sometimes happens that the washing machine’s hose vibrates loose from the drain pipe during the spin cycle. You can try to prevent this by securing the hose firmly in the drain pipe and, if necessary, reinforcing it with tape.
Can you file a claim for water damage caused by a broken washing machine under your household contents insurance?
In many cases, you’re already covered for water damage. A malfunctioning washing machine is an unforeseen event beyond your control. The damage caused by a leak can be extensive. The walls can get wet and the floor can be flooded—a lot of trouble you certainly don’t need. With home contents insurance, you’re usually covered for water damage caused by your washing machine. Read more here about the coverage provided by your home contents insurance in the event of water damage.
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What will I be reimbursed for if my washing machine breaks down?
It’s important that when you discover water damage, you identify the cause and address it as soon as possible. Move your belongings to a safe place and, if possible, take photos of the water damage. Report the water damage to your insurer or insurance agent by phone or online. They can often tell you right away whether your damage is covered.
Exactly what your home contents insurance will cover depends on the situation and the terms of your policy. In most cases, an adjuster will visit your home to assess the damage. He will determine the cause of the water damage and decide whether or not you’ll receive compensation.
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