Does your manufactured home insurance cover water damage including freeze damage? Roughly 1 in 50 homeowners files a water damage or freezing claim every year. That’s 29% of all homeowners insurance claims, according to the Insurance Information Institute, and it’s one of the most common and most costly types of homeowners insurance claims, with an average cost of water damage or freezing claim at a whopping $11,098.
It’s important to know what types of water damage are covered by your manufactured home insurance. For starters, water damage that is considered “sudden and accidental” is covered (such as a burst pipe) but not gradual damage, such as a leaking bathroom sink. And flooding is not covered, such as damage from storm surge during a hurricane.
