Flooded Basement? Leaking Roof? Will Your Insurance Have Your Back? Water damage can strike when you least expect it, whether from a burst pipe, a leaky roof, or heavy rainfall. When your home faces water damage, the first question that comes to mind is: “Does my homeowner’s insurance cover this?” The answer can be complicated. Some types of water damage are covered by homeowners insurance, while others require specialized coverage. In this article, we’ll break down what’s typically covered, what isn’t, and how to file a claim successfully.

What Types of Water Damage Are Typically Covered?

Homeowners insurance usually covers sudden and accidental water damage caused by unexpected events. Here are some examples of situations that are likely covered:

Burst Pipes

If a pipe suddenly bursts and floods your basement or bathroom, homeowners insurance will typically cover the cost to repair the damage and any affected belongings.

Storm-Related Roof Leaks

If your roof sustains damage from a covered peril, such as a storm or falling tree, and water leaks inside your home, your policy should cover the damage to your home’s interior.

Appliance Malfunctions

If a water heater, washing machine, or dishwasher breaks down and causes water damage, insurance will usually cover the repairs to your home.

Accidental Overflow

Water damage caused by an overflowing sink or bathtub is typically covered, provided the incident was unintentional and not due to neglect.

Ice Dams and Freezing Pipes

If freezing temperatures cause a pipe to burst or an ice dam to form on your roof, homeowners insurance usually covers the resulting water damage.

Read more: What Do Public Adjusters Do

What Types of Water Damage Are Not Covered?

Unfortunately, homeowners insurance doesn’t cover all types of water damage. Here are some scenarios where coverage may be excluded:

Flood Damage

Flooding from natural disasters, such as heavy rain or storm surges, is not covered under standard homeowners policies. You’ll need flood insurance to protect against these risks.

Sewer Backups

Damage caused by a sewer or drain backup is generally only covered if you have purchased additional sewer backup coverage.

Gradual Wear and Tear

Water damage resulting from neglect, wear and tear, or lack of maintenance, such as a slowly leaking pipe, is not covered by insurance. Insurance only covers sudden and unexpected events.

Mold or Mildew Damage

While some policies may cover mold resulting from sudden water damage, long-term mold issues caused by negligence or unresolved water problems are usually excluded.

Intentional Damage or Negligence

If water damage occurs because the homeowner failed to address known issues (like ignoring a leaky roof), the insurance company may deny the claim.

Read more: How to Become a Public Adjuster

How to File a Water Damage Claim: Step-by-Step Guide

When water damage strikes, acting quickly is key to minimizing losses and ensuring a smooth claims process. Here’s how to file a successful claim:

Document the Damage

Take photos and videos of the water damage, including affected areas and belongings. This documentation will support your claim.

Contact Your Insurance Company

Notify your insurer as soon as possible to start the claims process. Many companies have a limited window for filing claims after damage occurs.

Mitigate Further Damage

Take temporary measures to prevent further damage, like turning off the water supply or placing buckets under leaks. Insurance typically requires homeowners to act quickly to reduce additional loss.

Work with an Adjuster

Your insurer may send an adjuster to assess the damage. Provide all necessary documentation to ensure a fair evaluation.

Review the Settlement Offer

Once your claim is processed, your insurer will offer a settlement. If you disagree with the offer, you can negotiate or work with a public adjuster to maximize your payout.

FAQs

Do all homeowners insurance policies cover water damage?

Most standard homeowners policies cover sudden and accidental water damage but exclude damage caused by neglect, floods, or sewer backups. Be sure to review your policy details.

Does homeowners insurance cover mold caused by water damage?

Mold is generally covered only if it results from a sudden water event (like a burst pipe). Long-term mold issues caused by gradual leaks are not typically covered.

What is the difference between flood damage and water damage?

Flood damage occurs when water enters your home from an external source, like rising rivers or heavy rainfall. Water damage refers to internal issues, like burst pipes or roof leaks. Flood damage requires separate flood insurance coverage.

Will my insurance premiums increase after a water damage claim?

Filing a water damage claim can increase your premiums, especially if the claim amount is large. It’s important to weigh the benefits of filing a claim versus paying for minor repairs out of pocket.

What should I do if my water damage claim is denied?

If your claim is denied, you can appeal the decision or hire a public adjuster to negotiate with your insurer and ensure you receive the compensation you deserve.

Protect Your Home and Maximize Your Insurance Claim

Water damage can be stressful, but understanding your insurance policy and filing a claim can make all the difference. Not all types of water damage are covered, but with the right documentation and quick action, you can increase your chances of a successful claim.

Need Help with Your Insurance Claim?

If you’re dealing with water damage and need expert assistance, consult a public adjuster today. They’ll guide you through the claims process and help ensure you get the maximum payout from your insurer. Leave money on the table, contact a trusted professional, and protect your investment!