Last Updated on December 20, 2021

Find Value For Money.

Anyone in an apartment can be a victim of plumbing problems. If plumbing issues are not detected early enough, overflows from sinks and toilets can cause a lot of damage. So, will your condo insurance cover flood damage from the bathroom in 2022? Learn more about this type of damage. 

Unfortunately, there isn’t a simple solution yet. Generally, water loss is not covered by a renters homeowners insurance policy. Flood insurance is not included with a standard renter’s policy, although it can be bought separately with the help of an insurance agent. 

However, there’s a possibility that an insurance company might cover some water damages for car and home insurance quotes. 

According to III, renters insurance generally covers loss or damage of your items due to the following reasons: 

  • Fire 
  • Lightning 
  • Smoke 
  • Theft 
  • Explosion 
  • Wind 
  • Vandalism 
  • Accidental or sudden water discharge 

Flooding from toilet leakage is a very particular form of water damage, and coverage on this is debatable. However, as mentioned in the list above, your insurance company might cover a sudden water discharge from the toilet. In 2022, the insurers are taking their efforts to customize the insurancs policy especially for personal property. Here, you need to compare multiple insurance quotes to find the best value and find the best one that suits your needs.

You also have the option of adding drain and sewer backup protection. However, remember that your insurance company would not pay for the loss if the overflow were because of your fault or negligence. Similarly, your landlord’s insurance will protect the damage to the apartment’s interior, so contact them as soon as possible after handling the situation initially. 

Should You File a Claim Report for Such Water Damage? 

Answering this question is tricky since it depends on the situation and magnitude of the damage. Please take a look at the incident itself first. Perhaps, the argument is more likely to be dismissed if the harm was caused by an error or negligence on your part. If the event happened unexpectedly and unintentionally, you might get coverage. However, before filing an insurance claim, you should be aware of the deductible. 

The deductible is an amount you pay yourself before your insurance company starts to pay you. Hence, if the cost of repair or replacement is less than the deductible, it’s better to replace the missing or damaged items instead of filing an insurance claim. 

Lets’ take a look into some math here. A standard renter’s insurance usually has a $500 deductible in the initial insurance quote. Additionally, this is also because making a claim will increase your insurance premiums. Likewise, if the cost of repairing the damage exceeds the deductible and the incident was not your fault, you can contact your insurance company. Therefore, to make the process go faster and smoother, take photos of the region and record the losses.

You should also know about independent insurance agencies, how to start an insurance agency, and the insurance broker and insurance claim process. If you don’t want to deal with multiple insurers when shopping around, you might want to opt for an insurance agency like Renegade Insurance to handle every insurance-related task for you.