Professional contractors frequently encounter the devastating effects of water leaks on homes. Even seemingly impervious materials can succumb to damage. It’s a common misconception that strong materials are immune; can water damage concrete foundation? The answer is a resounding yes. Over time, persistent leaks can cause cracks and weaken the foundation, compromising the structural integrity of your entire home. Similarly, can water damage granite? Although known for their durability, granite countertops can be etched or stained by standing water, impacting both their aesthetic appeal and functionality.

Understanding your insurance coverage is crucial in these situations. Does homeowners insurance cover water damage? Generally, yes, but coverage depends on the source of the leak. For sudden and accidental leaks, such as burst pipes, homeowners insurance typically covers the repair costs. But does homeowners insurance cover water damage from a leaking roof? In most cases, yes, provided the roof has been properly maintained. However, damage resulting from gradual wear and tear may not be covered.

This is where hurricane insurance plays a vital role. This separate policy is specifically designed to cover damage caused by hurricanes, including wind and rain that can damage your roof and lead to leaks. Therefore, does hurricane insurance cover water damage? If a hurricane damages your roof and causes subsequent water damage within your home, hurricane insurance would likely cover the necessary repairs.