When you own a condominium, other residents in your building and things that happen inside their units can sometimes cause water damage to your unit. It’s worth having your agent at C & H Insurance Associates LLC in Hilton Head, SC, check that you have adequate coverage. Here are a few scenarios worth considering.
Bathtub Overflow
All it takes is forgetting that a bathtub is filling and letting it overflow onto the floor. Units below may experience water coming through ceiling cracks or light fixtures.
Leaky Water Heater Tank
A water heater that develops a slow leak can cause gradual damage if it goes unnoticed for a while. A steady drip over time can lead to mold, mildew, and water damage in the units below.
Broken Water Pipe
A broken pipe inside a wall can fill the space between units with water, often causing it to flow across the floor and soak the carpet below.
Backed-Up Drain
Kitchen drains are notorious for clogging due to the buildup of grease and food particles.
Clogged Toilet
When a toilet becomes clogged, flushing it can cause an overflow, resulting in a fair amount of water leaking out.
Storm Water
Condominium complexes near the coast can flood during a storm. Broken windows can let water into the building, where it may cascade down through multiple units below.
Firefighting
Water used to extinguish a fire can also cause significant water damage of its own.
Best to Be Prepared
These are just a few scenarios worth discussing with your agent to better understand what protection your condo insurance policy actually provides.
Reach out to us at C & H Insurance Associates LLC in Hilton Head, South Carolina, serving clients in both South Carolina and Georgia. We can help with all your condo insurance needs.
