Accidental Property Damage Restoration

Accidental damage refers to the abrupt and unforeseen harm caused to your property or belongings by an external force. For example, a spilled drink resulting in a carpet stain or accidentally drilling through a pipe.

Accidental damage coverage is occasionally part of home insurance, but it’s commonly offered as an optional add-on. You have the option to obtain accidental damage coverage for both your possessions and the structure of your building, however, having one type of coverage doesn’t automatically mean you’re protected for the other.

Accidental damage insurance typically covers unforeseen and sudden harm to your insured property or belongings caused by accidental external forces. Some common scenarios and items that may be covered include:

• Accidental spills that cause damage to carpets, furniture, electronics, or other items
• Accidentally broken items such as glass, mirrors, or fragile objects
• Unintentional damage to appliances, such as a dropped washing machine or damaged kitchen equipment
• Accidentally drilling through a pipe or other plumbing mishaps
• Damage to fixtures, fittings, and built-in features in your property due to accidents.

It’s important to carefully review your specific insurance policy to understand the exact coverage limits, exclusions, and terms related to accidental damage. Different insurance policies may have variations in coverage, so it’s essential to know what is and isn’t included in your particular plan.

Accidental damage insurance typically comes with certain exclusions that specify what is not covered by the policy. While these exclusions can vary based on the specific insurance provider and policy, some common items that are often not covered by accidental damage insurance include:

• Damage that is intentional or maliciously caused by the policyholder or any other individuals
• Damage resulting from normal wear and tear over time
• If the policyholder fails to properly maintain or care for their property, resulting in damage
• Certain high-value items, rare collectibles, or specific types of property

It’s essential to carefully review the terms, conditions, and exclusions outlined in your specific accidental damage insurance policy to fully understand what is and isn’t covered. If you have any doubts or questions, it’s a good idea to discuss them with your insurance provider.