Does Homeowners Insurance Cover Water Damage?
What standard homeowners policies usually cover and exclude for water damage, and how flood and sewer backup coverage differ.
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Tell the operator your city, what happened and whether water is still running. You will be connected with a local provider that covers your area.
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- Give your city and ZIP code
- Say what happened and if water is still running
- Ask the company about its license and insurance
Quick answer
Most standard policies cover sudden and accidental water damage, such as a burst pipe. They commonly exclude flood from outside water, sewer backup unless added by endorsement, and damage from long term leaks or neglect.
Usually covered
- Sudden pipe bursts and appliance failures
- Water from storm damage to the roof, when the roof opening was caused by a covered event
- Reasonable cleanup and drying costs to limit further damage
Often excluded
- Flood from rising water, which needs a separate flood policy
- Sewer or drain backup without a water backup endorsement
- Slow leaks over time, rot and ongoing seepage
- The cost of repairing the worn pipe or appliance itself
Flood insurance
Flood coverage is sold through the National Flood Insurance Program and private insurers. New NFIP policies generally have a 30 day waiting period, according to FEMA, so buying after a storm is announced is usually too late.
Steps that protect your claim
- Report the loss promptly
- Take photos and video before cleanup
- Prevent further damage and keep receipts
- Keep damaged items until the adjuster approves disposal
- Ask for the policy language that applies if a claim is denied
Every policy is different. Read yours or ask your insurer. This page is general information, not legal or insurance advice.
Sources and further reading
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