Does Homeowners Insurance Cover Water Damage?

Water damage can be a homeowner’s worst nightmare, causing not just emotional stress but a considerable amount of financial strain. If you’re a homeowner, you may be wondering whether your insurance will cover you should such an event occur. But before we dive in, let’s first understand what type of water damage situations could arise. In this blog, we will cover the different types of water damage claims, including those resulting from natural disasters or unforeseen internal damages, and discuss whether homeowners’ insurance covers them. We’ll also provide you with some tips on what to do if you’re in the middle of a water damage claim, to help you to minimize further damage to your home whilst you wait for the insurance company to act.

Common Types of Water Damage Claims

The most common types of water damage claims are flooding, structural damage, and loss of personal belongings. Homeowner’s insurance typically does not cover flood damage, intentional acts, or water damage due to neglect. Hence, it is a good idea to consider purchasing flood insurance for comprehensive coverage. Loss of use coverage can offset additional living expenses due to water damage. Plumbing system failures are the top source of water damage claims, with frozen pipes and failing materials being the most common culprits.

Drain system failures and sewer backups are also prevalent causes of claims. In Florida, hurricanes, storms, leaks from roofs or windows, and flooding from rivers, lakes, or storm surges are the most common causes of water damage insurance claims. Preventing water damage is crucial, but some incidents cannot be forecasted. Proper coverage and quick action following water damage can mitigate expenses and ensure proper restoration.

1. File a Claim Quickly

If you experience water damage in your home, it is important to act quickly in order to file a successful insurance claim. The most common types of water damage claims include burst pipes, roof leaks, and flooding caused by storms or natural disasters.

To file a claim quickly, report the damage to your insurance company as soon as possible. Take pictures of the affected area and any damaged property to support your claim. It’s important not to make any permanent repairs until your insurance company has had a chance to assess the damage. Keep a list of damaged property and the receipts for any materials you purchase to make repairs.

In the meantime, protect your home and belongings by making temporary repairs, such as putting a tarp on your roof or using sandbags to prevent further flooding. By taking these steps, you can ensure that your insurance claim is processed smoothly and you can get back to normal life as soon as possible.

2. Move Undamaged Possessions From Harm’s Way

When it comes to filing a water damage claim with your homeowner’s insurance, there are several common types of claims. One important step to take is moving undamaged possessions from harm’s way to prevent further damage. This includes prioritizing the relocation of high-value or sentimental objects to a secure and dry location. It is also important to take photos of water-damaged items before discarding them, with consultation from your insurance adjuster or company.

Additionally, it is recommended to dispose of perishable food items, as well as cushions and pillows that have been soaked in water. It’s important to avoid signing any agreements before consulting with your insurance company or adjuster. Taking these steps can help ensure that you receive the proper coverage and compensation for your water damage claim.

3. Document All Damages

When making a water damage claim on your homeowner’s insurance policy, it is important to document all damages thoroughly. This includes taking photographs and videos of the damage caused by water leakage and keeping a record of repair costs. You should also move any personal property to a dry area, and list, and inventory all damaged items, including their purchase date, value, and receipts.

Once you have gathered this information, it’s important to provide it to your insurer and wait for final approval from them. This may involve waiting for an insurance adjuster to assess the damage or submitting photos of the damages instead. Keep in mind that you are free to use any contractor you want to complete the repairs, as long as you follow any guidelines or restrictions outlined by your insurance carrier. By documenting all water damage thoroughly and following these steps, you can ensure a smoother claims process and a better chance of receiving adequate compensation for your losses.

4. Drain Standing Water

When it comes to water damage claims, homeowners insurance typically covers sudden and accidental damage caused by burst pipes, appliance and fixture overflows, and roof leaks. However, it’s important to note that policies do not cover damage caused by flooding, poor maintenance, or lack of upkeep. To ensure coverage for water damage, homeowners should take precautions such as draining standing water and properly maintaining their plumbing systems.

In the event of a water damage claim, homeowners will typically be responsible for paying their deductible before receiving coverage up to their policy limits. Insurance policies distinguish between dwelling coverage for home structures and personal property coverage for belongings. Neglect or lack of maintenance resulting in water damage is usually not covered by homeowners insurance, emphasizing the importance of regularly maintaining and updating home systems.

5. Dry the Water-Damaged Areas

When it comes to common types of water damage claims, storm-related damage is often at the top of the list. This type of damage can be caused by a variety of phenomena, such as flash floods, tornadoes, hurricanes, and powerful wind storms. Although homeowners insurance policies typically do not cover flood damage or water damage due to lack of maintenance or negligence, it’s important to dry the water-damaged areas as soon as possible to prevent further damage. It’s also worth noting that water damage caused by intentional acts or “earth movement” such as earthquakes are generally not covered by insurance, and FEMA defines flood damage as “partial or complete inundation of 2 or more acres of normally dry land area” and is typically not covered by standard homeowners insurance.

6. Keep All Damaged Items

When it comes to water damage claims, there are several common types that homeowners may encounter. One important thing to remember is to wait for your insurer’s authorization before disposing of any water-damaged items, even if you have already dried the affected area.

Keeping receipts and material samples can help document the extent of the damage and can impact the value of your claim. It’s also important to remember the purchase details of your items and to document your possessions with a video camera to help support your claim for property loss.

Before initiating any repair or maintenance agreements, it’s important to consult with your insurer to understand the coverage and associated costs. Additionally, it’s important to dispose of any health-risk items such as perishable food, clothing, cushions, and pillows immediately to prevent any further damage or health hazards.

7. Begin the Recovery Process

If you are dealing with water damage in your home, it’s important to understand what types of claims are typically covered by homeowners insurance. Common types of water damage claims include:
– Burst or leaking pipes
– Roof leaks
– Appliance leaks
– Floods caused by natural disasters

If you experience water damage, the first step is to check if your policy covers water damage and purchase additional coverage if needed. Next, determine the source of the water damage and take reasonable measures to stop it. Then, call your insurance agent and report the claim, including all relevant details. Be sure to document all damages, temporary repairs, and damaged items with photos and lists for the insurance adjuster.

Once the claim is filed, it’s important to begin the recovery process. This includes negotiating a settlement for repairs with multiple contractors and preparing for the possibility of cancellation or non-renewal of your insurance policy. With careful documentation and attention to the process, you can successfully navigate the claims process and get your home back to normal as quickly as possible.

Frequently Asked Questions

How do insurance claims work for water damage?

For water damage insurance claims, coverage generally applies to sudden and accidental damage, but not negligence or lack of maintenance. It’s important to determine coverage limits, as well as whether replacement cost or actual cash value applies to personal property.

Before filing a claim, review the policy deductible and consider the cost to repair. If necessary, contact your insurance carrier and provide your policy number to start the property claim process.

Keep in mind that flooding often requires a separate policy if available.

What items can you claim for water damage?

Homeowners’ insurance can cover sudden and accidental water damage from things like burst pipes or failing appliances. The coverage for water damage will depend on the type of coverage you have, either replacement cost or actual cash value.

It’s important to note that the cost of water damage can vary greatly, with the average claim being $11,098. However, water damage insurance only protects against sudden and accidental damage, and not from negligence or lack of maintenance. Also, flood damage is typically not covered under water damage insurance and requires a separate policy if available.

How do I make a successful water damage claim?

To make a successful water damage claim, review your policy to determine your deductible beforehand. Determine the cause of the damage and how it may impact your insurance coverage. When filing a claim, remember to have your policy number on hand and contact your insurance carrier.

Your coverage limits and type of coverage (replacement cost or actual cash value) can impact the amount paid out. Consider purchasing additional coverage for water damage, as it may not be fully covered by your homeowner’s insurance policy. Being prepared and informed can increase your chances of a successful water damage claim.

Why is water damage not covered by insurance?

Water damage is typically not covered by insurance due to the homeowner’s negligence or failure to properly maintain the home. Insurance policies also usually have exclusion clauses that restrict coverage for water damage caused by flooding or sewage backup.

The amount paid out by insurance for water damage depends on the type of coverage and coverage limits in the policy. Water exclusion clauses also restrict certain forms of water damage from being covered, including perils like floods and hurricanes.

How common are water damage claims?

Water damage claims are moderately common and can range in severity, from minor damage costing just a few hundred dollars, to large losses in the tens of thousands of dollars range. Homeowners’ insurance typically covers sudden water damage from burst pipes or failing appliances, as well as roof leaks caused by covered perils and water damage from storms, ice dams, and extinguishing a fire. However, damages resulting from flooding or lack of maintenance are usually not covered. The cost paid by the insurance company for water damage depends on the coverage limits and type of coverage, which could be replacement cost or actual cash value. According to property management, the average water damage claim is $11,098.

What not to say to the home insurance adjuster?

When speaking with a home insurance adjuster, it’s important to avoid making certain statements or assumptions. Do not panic or assume that your policy covers all types of water damage, including flooding or lack of maintenance.

Additionally, do not admit fault or negligence for the damage, and be cautious about accepting the first settlement offer without consulting your insurance agent or company. It’s also crucial not to delay reporting the damage, as this could result in reduced coverage or denial of the claim.

Is Water Damage Covered by Insurance?

Homeowners insurance covers sudden and accidental water damage, but not damage resulting from negligence. It’s important to note that flooding often requires a separate policy. The amount paid out by the insurance company for water damage will depend on coverage limits and the type of coverage. Replacement cost coverage may be added to personal property for extra protection.

Coverage for hurricanes is usually included in the policy, but not for rising floodwater or storm surges. Flood insurance is necessary for such events. Water damage claims make up around 20% of all insured losses. Whether water damage to a home is covered by insurance will depend on the cause of the damage.


In conclusion, water damage can be an unexpected and stressful event for homeowners to deal with. In most cases, homeowners insurance covers water damage caused by sudden and accidental events like burst pipes or natural disasters. However, it’s important to understand the specific coverage details of your policy and take the necessary steps to protect your home and belongings. Be sure to document all damages, drain standing water and dry out affected areas, and keep all damaged items for inspection by your insurance adjuster. If you need help with your water damage recovery process, reach out to our team of experts for guidance and support.

Leave a Comment