Does Homeowners Insurance Cover Water Damage?
Usually, if it was sudden and accidental. Here's how coverage typically works and how to give your claim the best shot.
General information, not insurance advice. Policies vary. Read your policy and talk to your insurer or agent about your situation.
Usually covered
- Burst pipes, including frozen pipes if you kept the home reasonably heated
- Sudden appliance failures: water heaters, washing machines, dishwashers
- Water from a sudden roof leak caused by a covered event, like storm damage
- Accidental overflow from a toilet, tub or sink
Often not covered
- Flooding from outside water (rising water, storm surge), which usually needs separate flood insurance
- Slow, long-term leaks and seepage considered maintenance issues
- Groundwater coming up through the foundation
- Sewer backups, unless you have a specific endorsement
- The repair of the failed pipe or appliance itself (the resulting damage may be covered)
How to file a strong claim
- Stop the damagePolicies expect you to take reasonable steps to prevent further damage.
- DocumentPhotos, video and a list of damaged items.
- Report it quicklyCall your insurer the same day if you can.
- Keep recordsMoisture logs, invoices, receipts and adjuster notes.
Frequently asked questions
Will a water damage claim raise my premium?
It can. Some homeowners pay small losses out of pocket for that reason. Ask your agent how a claim may affect your rate.
Can the restoration company deal with my insurance?
Many do. They document the damage and send estimates in the format insurers use. You're still the policyholder, so stay involved.
Water in your home? Get a local pro on the way.
Call and we'll connect you with an independent local water damage restoration company that serves your area. The referral is free, and many local companies answer around the clock.