Home insurance only cover water damages that occur suddenly or accidentally in your home. In the case of a water damage that occurred from a broken water line of the refrigerator, it is considered as a sudden occurrence so the water damage cost and the repair fee for the damaged refrigerator will be covered. For the insurance company, water damage refers to damage caused by water that did not enter into your home from the outside such as the ground. The water damage must be caused by clean water source in order to be eligible for coverage by the home insurance company. Anything that is destroyed as a result of the broken water line will be covered for example damaged flooring.
However, you must keep in mind that there are certain requirements in your policy that you need to follow in order to claim the compensation. For example, if you are going on a holiday trip for a few days, you must turn off the water supply in your house. If you don’t and the water line burst, it will be your own fault and the claim can be denied. Besides, you should also hire someone to check your house daily and make sure everything is all right. This can be used as a proof to your insurance company that everything is in good condition when the water line burst so that your claim can be approved quickly.
The water damage will not be covered if your refrigerator’s water line broke as a result of an unresolved maintenance problem. All appliances will experience wear and tear and your refrigerator can broke down one day. It is your responsibility to hire a professional to inspect your appliances and fix any issue promptly to ensure that they are in good working condition at all times. In this situation, the insurance company will properly pay out the compensation for fixing the flooring that is damaged by the water but it will not cover the cost of the refrigerator.
The water damage coverage requirements vary across different insurance companies so you should check with them yourself. You can first ask your broker whether the claim will be approved before filing it to the insurance company. The compensation that the insurance company releases will not include the deductible amount as well as the spoiled food in the refrigerator. Anything that is not worth filing will not be covered by the insurance.
You can always confirm with your insurance agent about water damage that is covered/not covered by the insurance policy. Home insurance only provides basic coverage for water damage that occurs in the house. If possible, you should purchase additional coverage like a flood insurance to offer more protection for your home from water damage.