Does Homeowners Insurance Cover Water Damage

home insurance coverage damageThe majority of homeowner policies help cover water damage if the cause is unexpected and/or unintentional. According to the Insurance Information Institute, a property owner’s insurance coverage might assist in repair work if, for instance, your drywall is damaged after your water heater cracks and leaks, or an upstairs water line bursts and water soaks and drenches the ceiling below it.

Personal Property Coverage

Personal property protection assists in paying for damage to your possessions or valuables if they are damaged by a covered threat. So, if a broken waterline results in a water-damaged computer or bedroom dresser, personal property protection may help pay to repair or replace the harmed items or products.

Bear in mind that a deductible will likely apply prior to your protection begins. Also, protection limitations may apply. Read your policy to review how much protection your policy offers. Your representative can assist you to adjust your protection to fit your needs or address your questions about your policy coverage.

home insuranceAre There Any Types Of Water Damage That Are Not Covered By My Insurance?

Homeowners’ insurance does not cover certain types of water damage or damage from unresolved maintenance issues.

While your homeowner’s insurance policy will most likely assist in covering the expense of replacing or repairing water damaged flooring if your dishwashing machine hose breaks or starts leaking suddenly, protection typically will not begin if the damage results from an unsettled maintenance issue, such as constant leaking or dripping from the dishwasher hose, a shot-off valve or other plumbing fixture.

Repairing Or Replacing The Water Damage Source

The majority of insurance policies will probably not cover the source of the water damage. So, while your policy may cover the expense of removing and replacing that damaged flooring, you shouldn’t rely on your policy to cover the expense of fixing your broken dishwasher or washing machine.

Water Backup from an Outside Sewer or Drain

You also will not usually be covered by a traditional or standard homeowners policy if water backs into your house through an outdoor sewage system. You may, nevertheless, be able to buy additional or extra sewer or water backup protection coverage that possibly helps cover damage from that kind of event.


There is not any type of flood policy, no matter the source of the water,  that is covered by standard or basic homeowners policies. Flooding, for instance, can take place from storms, over-saturated ground, overrunning or rising bodies of water such as ponds, rivers, streams, canals, lakes, and oceans. You may be able to buy a separate or different flood insurance policy through the National Flood Insurance Program.

While it’s essential to stay up to date with home maintenance to help prevent and avoid water damage to your home, it’s likewise an excellent concept to consult with your representative about what is and isn’t covered by your homeowner’s policy. Make certain to ask if there are any extra coverages offered that may be suitable for your home.


Your homeowner’s insurance policy might possibly cover damage brought on by leaking or dripping plumbing lines if the leak is abrupt and accidental, such as if a washing machine supply hose suddenly starts leaking, a water line breaks, or a shut-off valve leaks. Nevertheless, homeowners insurance does not cover damage arising from poor maintenance and upkeep. So, if damage results after you do not fix a leaky toilet, for instance, your homeowner’s insurance policy most likely will not cover the expense for the repairs.

home insurance coverageLet Us Help You With Your Water Damage Insurance Claims

We will help you deal with your insurance claims repair your water damage. You can also contact us for advice water damage questions you might have about insurance claims or just on where to start and how to handle them. We are here to help you in any way we can.

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