Unfortunately, we can’t answer these questions directly because there are so many factors that go into determining each answer, such as your policy coverage, claim history, type of loss and length of time that you have been insured with Erie Insurance. You can review your policy coverage information and direct any questions you may have about your claim to your agent and the adjuster assigned to handle your claim. Learn more about how to start a home insurance claim.
You may contact our Customer Care team at (800) 458-0811 or your local ERIE agent to get a copy of your homeowners policy. You can also create an account to view summaries of your auto and home insurance policies. Learn more about how to log in to set up an account.
Does my homeowners policy cover water damage?
It depends. In most cases, if you experience water damage from a water pipe that bursts, a washer hose that leaks or explodes, then your homeowners policy may cover the damage, but there are many factors that will determine if a claim is covered. If water leaks into your home through the foundation, or because of a flood, the damage is not covered under your home insurance policy. If the water damage is due to an ongoing leak, seepage or other maintenance problems, it is also not covered. If you have questions about your claim, talk to your local ERIE agent or the adjuster assigned to handle your claim.
Your policy covers damage caused by some natural disasters, but there are many factors that will determine if a claim is covered. Before the storm hits, review your policy with your local ERIE agent so you understand what is covered. If flooding occurs because of the natural disaster, for example, your homeowners policy will not cover the damage. Damage caused by floods is not covered by homeowners policies. Talk to your ERIE agent about obtaining a separate flood insurance policy. ERIE partners with American Bankers to offer this coverage to customers.
In most cases, your auto policy covers damages to your vehicle if you have purchased the appropriate physical damage coverage.
Call your ERIE claims adjuster immediately. We may need to re-inspect the damage before the repairs are complete and to determine if these damages are covered. If the additional damages were covered under the original claim, we would reopen your claim and work closely with you and your contractor to satisfactorily resolve the matter.
Are you interested in trying out a Roost® Smart Water and Freeze Detector?
ERIE has begun a pilot program that will collect and analyze water and freeze related data from Roost® water sensors. Participants in the pilot will receive a Roost® sensor at no charge (while supplies last) to install and activate at their primary residence. In order to participate in the pilot program, you must meet the following criteria:
To volunteer for the Home Sensor Pilot Program, please contact a local ERIE Agent. Not available in Maryland or New York.