Water damage occurs when water enters an area that it is not meant to be in, leading to structural damage and potential health risks. It can come from a variety of sources, such as storms, floods, leaking pipes, and overflowing toilets. Common signs of water damage include discoloration on walls, floors, and ceilings; peeling paint; buckling wood; and a musty smell. If left untreated, water damage can lead to mold growth, warped wood, and other hazardous conditions. It is important to address water damage promptly to prevent further destruction.
Yes, renter's insurance typically covers water damage to your personal belongings caused by plumbing problems or appliance malfunctions. This coverage can be especially important if you live in an older building where plumbing and appliances may be more likely to break down. Be sure to check your specific policy for exact details on what is covered and how much you're covered for.