Does Homeowners Insurance Cover Water Damage?
Whether it’s a burst pipe or a leaking roof, water damage can cause serious headaches—and serious bills. But not every type of water damage is covered by your home insurance. Knowing the difference can save you time, money, and stress when filing a claim.
1. Covered Water Damage (Sudden & Accidental)
Most homeowners policies cover sudden and accidental water damage. This means the damage happened unexpectedly and was not due to negligence or poor maintenance.
Examples of covered situations:
A pipe bursts behind a wall
The water heater leaks suddenly
Washing machine hoses fail
A tree branch breaks a window during a storm, allowing rain inside
If your drywall, flooring, or belongings are damaged due to one of these incidents, your policy will typically pay for repairs and replacements (minus your deductible).
2. Not Covered: Gradual Damage
Insurance companies draw a hard line when it comes to gradual damage—especially when it stems from poor upkeep.
Not typically covered:
Long-term leaks from plumbing that were ignored
Roof leaks due to age and deterioration
Mold resulting from unresolved moisture
Foundation seepage
Important: If an issue could have been prevented with routine maintenance, your insurer may deny the claim.
3. Sewer Backup & Overflow: Special Coverage Required
Sewer or sump pump backups are generally not included in standard homeowners policies. However, many insurers offer a rider (add-on) to include this protection.
Pro Tip: This rider is inexpensive and worth every penny. A sewer backup can cost thousands to clean and repair.
4. Flood Damage: Not Covered
If water enters your home due to rising groundwater, overflowing rivers, or storm surge, your homeowners insurance will not cover it. You’ll need separate flood insurance—available through the National Flood Insurance Program (NFIP) or private insurers.
Conclusion / CTA
Water damage can happen fast—and cost a fortune. Not sure if you’re covered? Schedule a free policy review with one of our experts at Beyond Your Insurance to make sure you’re protected before it’s too late.