Blog | Top O' Michigan Insurance Solutionshttps://tomia247.com/blog/2024-03-29T11:28:18+00:00Blog
Come back often for all the latest insurance news updates.What You Need to Know About the Slippery Scenarios of Water Damage and Your Insurance2022-03-06T20:24:54+00:002024-03-29T11:26:29+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/the-slippery-scenarios-of-water-damage-and-insurance/<p><span>Water damage is one of the most common causes of insurance claims for homeowners and businesses. At the surface, water is water...right? Unfortunately, burst pipes, backed up drains, flooded basements or a leaking roof will lead one to discover the details of their insurance policy - finding that all water damage is not the same according to the insurance policy language. </span></p>
<p><span>Identifying the <u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">cause</strong></u> and <u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">source</strong></u> of the water are the most important factors to determine if there is coverage for the damages. This is very important because an insurance policy is a legally binding contract between you and the insurance company. Therefore, the specific policy language determines what kind of water damage will be covered.</span></p>
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<h4 class="x-el x-el-h4 c2-4t c2-4u c2-c c2-d c2-3d c2-1p c2-1n c2-1m c2-1o c2-3 c2-35 c2-3f c2-j c2-3g c2-3h c2-3i c2-3j" style="text-align: center;"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">What type of water damage is NOT covered by most property insurance policies?</strong> <strong></strong></h4>
<p><img alt="Insurance Claim Denied" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/denied-g48e90998e_640.png" style="color: #00529b; font-family: SourceSansProRegular, 'SourceSansPro Regular', Arial; font-size: 25.5px; text-align: center; float: right;" width="30%"/></p>
<p><span>A general rule of thumb with insurance is that it is meant to cover "<em class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4b">sudden and/or accidental damages"</em>. So, gradual damage or the result of gradual damage typically will not be covered. Some examples of this include:</span></p>
<ul>
<li><strong>mold, rot and/or corrosion</strong></li>
<li><strong>poor property maintenance or lack of repairs</strong></li>
<li><strong>normal wear and tear</strong></li>
<li><strong>water damage from seepage coming from cracks in the foundation</strong></li>
<li><strong>other long-standing problems like a leaking roof </strong></li>
</ul>
<p><span>So what if the water damage is sudden as a result of heavy rains or weather related events? There are also other specific water exclusions that coverage can either be "bought back" on the same policy or you must find an insurer for that specific peril. Some examples include:</span></p>
<ul>
<li><strong>surface water entering from outside the building</strong></li>
<li><strong>back-up of sewer or drain</strong></li>
<li><strong>a nearby lake or river overflows its banks which causes flash flooding in your building</strong></li>
</ul>
<p><span>The denial of water claims aren't always easy but understanding the specific coverage, exclusions and limitations for water damage can help you prepare. </span></p>
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<h4 class="x-el x-el-h4 c2-4t c2-4u c2-c c2-d c2-3d c2-1p c2-1n c2-1m c2-1o c2-3 c2-35 c2-3f c2-j c2-3g c2-3h c2-3i c2-3j" style="text-align: center;"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">What type of water damage is covered by most property insurance policies? </strong></h4>
<h4><img alt="Water Insurance" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-897681154.jpg" style="color: #00529b; font-family: SourceSansProRegular, 'SourceSansPro Regular', Arial; font-size: 25.5px; text-align: center; float: right;" width="30%"/></h4>
<p style="text-align: left;"></p>
<p><span>After reading through some of the water damage scenarios above that aren't covered, you're probably wondering what kind of water damage is typically covered? Every claim scenario is as unique as the various insurance policies available; but in general, a property policy that includes coverage for <a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.irmi.com/term/insurance-definitions/special-perils" rel="noopener" target="_blank"><u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d"><em class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4b"><strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">"Special Perils"</strong></em></u></a> will respond when: </span></p>
<ul>
<li><strong>cold temperatures cause your water pipes to freeze and burst (assuming you haven't left the house unoccupied)</strong></li>
<li><strong>overflow of an appliance such as a dishwasher, toilet or washing machine </strong></li>
<li><strong>storms damage your roof and heavy rains cause water to leak through (unless you have had a leaking roof as a result of poor maintenance) </strong></li>
</ul>
<p><span>As you can see, coverage for water damage depends on the situation and the source. If it is sudden/accidental and came from inside the property, you most likely will have coverage. In most cases, you can purchase broadened coverage on a homeowners policy, business owners policy (BOP) or commercial property policy with endorsements to provide more coverage for water damage. This coverage can be purchased for:</span></p>
<ul>
<li><strong>Back-up of sewer or drain from inside the building can be purchased and added to your policy.</strong></li>
<li><strong>Mold and mildew (not a result of neglect) most likely will be covered but may have a limitation built in to the policy.</strong></li>
<li><strong>Shoreline property such as seawalls, boat lifts, and docks are typically excluded but some companies have special policies for this.</strong></li>
</ul>
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<h4 style="text-align: center;">M<strong class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-34 c2-4a">y property isn't in an area that regularly floods, do I need to purchase a separate policy for flood? </strong></h4>
<p><img alt="Insurance Policy" height="50%" src="https://www.tomia247.com/media/uploads/Stock%20Images/insurance_policy.jpg" style="float: right;" width="auto"/></p>
<p><span>First off, virtually every commercial and personal insurance policy will specifically exclude flood damage. You may be wondering, why would I need a flood insurance policy if my property is located in a flood zone? You should consider a separate flood insurance policy to cover these types of claims: </span></p>
<p><span> </span></p>
<ul>
<li><strong>Ground level or surface water entering the building as a result of municipal storm drains backing up. Water backup coverage mentioned above could apply to water coming up out of a floor drain within the building but not the storm drains outside.</strong></li>
<li><strong>A cold and snowy winter quickly thawed in the spring which caused flooding and surface water to enter the building.</strong></li>
<li><strong>A nearby dam or levee breaks causing a body of water to flood a neighborhood or city.</strong></li>
<li><strong>Flooding as a result of natural disasters like hurricanes or heavy rains.</strong></li>
</ul>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.iii.org/fact-statistic/facts-statistics-flood-insurance" rel="noopener" target="_blank">You can learn more about facts and statistics of the National Flood Insurance Program here.</a></span></p>
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<p><img alt="2022 Insurance Trends" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-815303210.jpg" style="float: right;" width="40%"/></p>
<p><span>This basic overview of water damage and insurance can demonstrate that <u class="x-el x-el-span c2-2a c2-2b c2-3 c2-49 c2-q c2-2f c2-4a c2-4d">insurance is not a commodity</u>. No matter what type of insurance you're talking about insurance policies and claims are very different. Policies are complicated contracts which is why it is very important to read the policy for subtle changes, exclusions or limitations. </span></p>
<p><span>All in all, water damage can be a slippery slope with insurance coverage. That is why having an understanding of what type of damage is covered or can be covered before it happens can help. However, insureds shouldn't be expected to fully understand the complexity of an insurance policy whether it is for your home, auto, business, life or health. </span></p>
<p><span>That is why it is why working closely with a good, reputable independent insurance agent is the best place to start. The more coverage you want, the more it will cost. This is similar to choosing "loaded" options on a new pickup truck or a contractor using custom, high-end bathroom finishes. Be prepared to determine what your "pucker factor" is as it relates to the cost of the coverage versus your risk. That is what insurance is all about - managing and sharing risk.</span></p>
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<h5 style="text-align: center;">For more risk management guidance or questions about your policy's coverage limits, <strong><span style="text-decoration: underline;"><a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></span></strong></h5>
<p></p>
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<h2><span>More Industry News</span></h2>
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<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a> </p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With seven locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
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<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>First posted on TheIsnuranceGeek.com on May 1, 2020</span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources:</span></p>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.iii.org/" rel="noopener" target="_blank">Insurance Information Institute (iii.org)</a></span></p>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="https://www.irmi.com/" rel="noopener" target="_blank">International Risk Management Institute (IRMI.com)</a></span></p>
<p><span><a class="x-el x-el-a c2-2a c2-2b c2-4d c2-c c2-d c2-4e c2-f c2-4f c2-3 c2-2e c2-2f c2-2g c2-2h" href="http://roughnotes.com/rnmagazine/2005/july05/07p24.htm" rel="noopener" target="_blank">Water Damage Coverage and Limitations by Roy McCormick - The Rough Notes Company</a></span></p>
<p><span></span><a href="https://www.insurancejournal.com/news/national/2021/05/13/613816.htm#:~:text=The%20overall%20U.S.%20property%2Fcasualty,by%20improved%20commercial%20lines%20pricing.&text=Industry%20data%20from%20statutory%20filings,claims%20in%20accident%2Dyear%202020.," style="background-color: #ffffff;"></a></p>
<p><a href="https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/commercial-auto-insurance-rate-hikes-outpace-reductions-in-november-2021-68281770">https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/commercial-auto-insurance-rate-hikes-outpace-reductions-in-november-2021-68281770</a></p>How Does the Increase in Cost of Construction Impact Your Insurance?2021-07-06T17:56:11+00:002024-03-29T11:28:18+00:00Tyler Bartoshhttps://tomia247.com/blog/author/TBartosh/https://tomia247.com/blog/how-does-the-increase-in-cost-of-construction-impact-your-insurance/<p><span>By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to <a href="https://www.constructiondive.com/news/skyrocketing-steel-lumber-costs-threaten-to-slow-construction-jobs/594969/" rel="noopener" target="_blank">an Associated Builders and Contactors analysis,</a> lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material to have taken such drastic increases. Prices of both lumber, Iron/steel products have increased by as much as 20-25%. </span></p>
<p>Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber. According to the NAHB, current lumber costs are up 340% from 2020. What’s more, lumber prices have already risen by an additional 67% since the beginning of 2021.</p>
<p>There are several reasons for these higher expenses. Specifically, both the COVID-19 pandemic and the presence of historically low interest rates have contributed to a rise in home purchases and renovation projects—thus elevating the demand for building materials. Nevertheless, this increase in demand has been met with supply shortages throughout the construction industry. In the midst of greater demand and lower supply, building material prices have subsequently soared. However, we may be moving in the right direction as inventory shortages begin to ease and seeing some reduction in lumber prices over the last few weeks. At any rate, these fluctuations have a major impact on your property and insurance valuations.</p>
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<h2 style="text-align: center;">The Impact on Insurance</h2>
<p>Unfortunately, this surge in costs could pose coverage consequences for policyholders across the country. After all, increased building material and construction prices could lead to higher property insurance claim expenses, seeing as it would currently cost more to repair or rebuild a home following a loss.</p>
<p>As a result, policyholders could discover that their existing policy limits and coverage features no longer offer adequate protection—leaving them financially vulnerable in the event of a loss.</p>
<p>Further, insurance carriers may increase policyholders’ premium costs to account for the risk of elevated claim expenses. Coverage limits must rise in order to provide full recovery on a property loss needing significant repairs or a complete rebuild after a loss. </p>
<p>In light of these ongoing cost concerns, it’s important for policyholders like you to respond accordingly. As such, consider taking the following measures:</p>
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<li><strong>Review your policy.</strong> Be sure you fully understand your insurance policy. Take note of whether you have replacement cost coverage (which can offer compensation for the cost of replacing or rebuilding as new) or actual cash value coverage (which can offer compensation for the depreciated value). Ensure your policy provides a correct replacement cost or overall value for your property.
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<li><strong>Consider coverage adjustments. </strong>Consult a trusted insurance professional to help you determine whether you need to adjust your policy to have sufficient coverage in the event of a loss. This may entail changing your policy’s valuation method, increasing your current limits, obtaining specialized coverage or implementing a policy endorsement.</li>
<li>You may also obtain coverage for increased cost of construction by endorsements such as:
<ul>
<li><strong>Ordinance or Law Coverage</strong> - . It provides coverage not only for increased costs of construction (Coverage C), but also for losses associated with undamaged portions of the building (Coverage A) — as well as for demolition costs (Coverage B). </li>
<li><strong>Inflation Guard</strong> - This coverage endorsement is available from certain companies and can account for the cost of inflation by automatically providing a percentage increase (typically 2% - 8%) over the policy period.</li>
<li><strong>Extended Replacement Cost and Guaranteed Replacement Cost</strong> - This is offered by several insurance companies to provide additional limits following a loss. Extended Replacement Cost is common on homeowners which increases your policy limit an additional 25% or 50%. Guaranteed Replacement Cost is less common and generally more expensive. If your home is destroyed, this policy will pay whatever it costs to rebuild your house. </li>
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<p><img alt="Insurance Coverage Limits" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-815303210.jpg" width="100%"/></p>
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<li><strong>Communicate with your insurance carrier. </strong>Lastly, make sure to inform your insurance carrier (and agent) whenever you conduct renovations or implement other improvements in your property (e.g., adding a new deck or remodeling the bathroom). Update your policy as needed.</li>
<li><strong>Consider working with a local builder.</strong> Are you unsure of where to begin, consider working with a builder to get an estimated rebuilding cost and share that data with your insurance agent to take the necessary steps to protect your property.</li>
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<p><img alt="Construction Estimate" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1151147823.jpg" width="100%"/></p>
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<li><strong>General Liability and Property Damage</strong> - One area that some insureds may overlook is the need for additional liability limits for property damage you become liable for. If you are working on someone else's property, the reasons remain the same but be sure to consider the reconstruction cost of your customers' building or homes first.
<ul>
<li>Example: Your crew is completing a remodel on a commercial building and accidentally cause an electrical fire resulting in a total loss to the building. The cost of reconstruction today exceeds the $1,000,000 General Liability limits on your policy. You can give yourself additional layers of liability coverage for bodily injury and property damage with an Umbrella policy.</li>
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<td style="width: 50%; height: 28px;"><img alt="Electrician" height="auto" src="https://www.tomia247.com/media/uploads/Stock%20Images/istock-1060934614.jpg" width="100%"/></td>
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<h5 style="text-align: center;">For more personal risk management guidance or questions about your policy's coverage limits, <a href="https://www.tomia247.com/about/contact-us/" rel="noopener" target="_blank" title="Contact Us">contact us today.</a></h5>
<p><img alt="Contact Us" height="auto" src="https://www.tomia247.com/media/uploads/Icons%20and%20Logos/istock-609801866.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="50%"/></p>
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<h2><span>More Industry News</span></h2>
<p><span>Want to stay up to date on the latest community and insurance news? You can find more on important topics on<a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"> </a></span><a href="https://www.tomia247.com/blog/" rel="noopener" target="_blank" title="TOMIA Blog"><span>our blog</span><span>.</span></a></p>
<p><strong>About Top O' Michigan Insurance Solutions:</strong></p>
<p>At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With eight locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.</p>
<p>We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at <a href="https://www.tomia247.com/about/community-involvement/" rel="noopener" target="_blank" title="TOMIA247.com/WeCare">TOMIA247.com/WeCare</a>.</p>
<h6><strong>National Resources, Locally Sourced.</strong></h6>
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<p><i><span>Disclaimer: </span></i><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship. </em></span></p>
<p><span><em class="x-el x-el-span c2-9 c2-a c2-3g c2-s c2-o c2-3i c2-3j c2-3">The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.</em></span></p>
<p><span>Author: Tyler Bartosh</span></p>
<p><span>Sources: <a href="https://www.businessinsider.com/lumber-prices-today-fall-eighth-week-inventory-shortages-demand-2021-7?amp" rel="noopener" target="_blank">Business Insider;</a> <a href="https://www.bizjournals.com/atlanta/news/2021/06/24/recent-increase-cost-of-construction.html?ref=insurancedailynews" rel="noopener" target="_blank">BizJournals.com;</a> <a href="https://www.constructiondive.com/news/skyrocketing-steel-lumber-costs-threaten-to-slow-construction-jobs/594969/" rel="noopener" target="_blank">ConstructionDive.com;</a> <a href="https://www.insurancebusinessmag.com/us/news/construction/higher-lumber-prices--what-impact-do-they-have-on-insurance-259704.aspx?utm_source=GA&utm_medium=20210702&utm_campaign=IBAW-Newsletter-20210702&utm_content=B69565D0-E130-42E7-9DF6-F7B17945DC19&tu=B69565D0-E130-42E7-9DF6-F7B17945DC19" rel="noopener" target="_blank">InsuranceBusinessMag.com;</a> <a href="https://eyeonhousing.org/2021/06/builders-report-26-percent-increase-in-material-prices/" rel="noopener" target="_blank">Nation Association of Home Builders; </a><a href="https://www.adjustersinternational.com/wp-content/uploads/sites/2/2015/05/3038_Construction_Coverage.pdf" rel="noopener" target="_blank">AdjustersInternational.com; </a><a href="http://www.zywave.com">Zywave, Inc</a> <a href="https://www.adjustersinternational.com/wp-content/uploads/sites/2/2015/05/3038_Construction_Coverage.pdf" rel="noopener" target="_blank"></a></span></p>