Does Homeowners Insurance Cover Water Damage?

It's one of the first questions homeowners ask after a leak or flood — and the answer is “it depends on the cause.” Here's a plain-English breakdown.

What's usually covered

Standard homeowners policies generally cover water damage that is sudden and accidental, such as:

• A burst or frozen pipe
• A failed appliance (water heater, washing machine, dishwasher)
• A sudden plumbing or supply-line break
• Water damage from putting out a fire

What's often not covered

• Gradual leaks and damage from lack of maintenance
• Surface flooding from outside (this usually needs separate flood insurance)
• Sewer backups, unless you have a specific backup endorsement

How to protect your claim

1. Stop the water source if you safely can, and limit further damage.
2. Photograph and document everything before cleanup begins.
3. Call your insurer to open a claim.
4. Bring in a certified restoration company that documents the loss professionally and can bill your carrier directly.

Our crews record moisture readings, photos and a full scope from the first visit — exactly what adjusters want to see. Learn more about our water damage restoration process, or read what to do when your basement floods.