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DOES HOME INSURANCE COVER WATER DAMAGE?

Coverage for water damage depends on the situation and the source. If the damage
is sudden, accidental, and comes from inside your home, you're typically
protected with a standard homeowners insurance policy. However, you typically
won’t be covered if the water damage is caused by outside flooding or a
neglected repair.

4 min to read
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 2. Answers
 3. Home insurance information
 4. Does home insurance cover water damage?
    

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UNDERSTANDING WATER DAMAGE INSURANCE CLAIMS

Aside from wind and hail damage, the most common home insurance claim stems from
water damage. Determining whether you're covered for water damage usually
depends on three key factors:


POLICY TYPE

It's essential that you know exactly what type of water damage is covered by
your homeowners insurance. For instance, you may have a sump pump designed to
siphon water from beneath your house. If the pump breaks down, your basement
might flood. Insurers like Progressive Home, one of the insurers in
Progressive's network and part of our family of companies, offer optional
coverage called "water back-up and sump overflow." Water back-up coverage
protects you in the event of a sump pump failure or clogged sewer. Learn more
about homeowners insurance coverages.


SOURCE OF DAMAGE

The phrase "consider the source" is particularly relevant when it comes to water
damage. If the source of the damage comes from inside your home, such as a water
leak from plumbing , a broken pipe or overflowing appliance, you'll likely be
covered by your homeowners insurance. Roof leaks are generally covered by your
homeowners insurance policy as well, but you typically won't be protected from
water damage coming from outside sources like flooding. Learn more about how
roof leaks are covered by home insurance.


SUDDEN AND ACCIDENTAL VS. GRADUAL

Most policies won't protect you against gradual damage — meaning "wear and
tear." For example, if your bathroom sink has been leaking for several months,
your homeowners insurance may not cover any resulting water damage or plumbing
costs.

If frozen temperatures cause a pipe to burst and flood your home, you're
generally covered because it's considered a sudden and accidental incident.
However, there may be preventative measures you need to take for this to be
covered. Learn how to winterize a home and prevent pipes from freezing in the
winter.


WHEN DOES HOMEOWNERS INSURANCE COVER WATER DAMAGE?

Homeowners insurance covers several kinds of common water damage.

 * Sudden plumbing issues
 * Appliance overflows
 * Fire extinguisher/hose damage from fires


WHAT TYPES OF WATER DAMAGE ARE NOT COVERED?


WATER BACK-UP FROM SEWER OR DRAIN

Water damage from a sewer or drain back-up usually won't be covered on a
standard policy. However, most insurers offer optional sewer and water back-up
coverage that you can add to your policy for an additional premium.


FLOODING

When water damage comes from flooding, it’s typically not covered on a standard
homeowners insurance policy. This type of damage is usually covered by flood
insurance from the National Flood Insurance Program. You should consider flood
insurance if you live in a higher risk flood zone or near any body of water or a
steep hill prone to water overflow.


THE SOURCE OF THE WATER DAMAGE

Let's say your dishwasher malfunctions and overflows. Your home insurance will
cover the water damage caused by the mishap, but it typically won’t cover the
cost of repairing or replacing the dishwasher as home insurance isn't intended
to protect against wear and tear. However, a home warranty may cover the cost to
repair or replace an appliance. Learn more about the difference between a home
warranty vs. homeowners insurance.


NEGLIGENCE

Your water damage insurance claim can be denied if you've failed to perform
proper maintenance. For instance, if a pipe freezes and bursts because you
didn't properly heat your home or your water heater explodes because it wasn't
maintained regularly, your claim may be denied.


WHAT YOU SHOULD DO IF YOU EXPERIENCE WATER DAMAGE?

 * Record the damage: Take videos and photos of the affected area and damaged
   belongings. Don't alter the scene or remove ruined items until an adjuster
   has completed their inspection.
 * Prevent more damage: Take steps such as removing excess water and moving
   undamaged valuables to avoid further harm.
 * Take a home inventory: Make a detailed list of all damaged items, including
   their make, model, age, and cash value, whenever possible. Learn more about
   how to take a home inventory.


FREQUENTLY ASKED QUESTIONS ABOUT HOME INSURANCE AND WATER DAMAGE


DOES HOMEOWNERS INSURANCE COVER WATER DAMAGE FROM RAIN?

Depending on how the water damage occurs, homeowners insurance may cover water
damage from rain. Flooding typically won’t be covered by standard homeowners
insurance, even when it's the result of severe rain or extreme weather events.
However, you may be covered for damage to your home’s structure and personal
property if rain enters the house due to a covered peril, like if a storm breaks
a window allowing rain into your house and causing water damage.

Your policy’s loss of use coverage may pay for you to live elsewhere while your
home is being repaired due to water damage from a covered incident. Learn more
about how homeowners insurance covers storm damage.


DOES HOMEOWNERS INSURANCE COVER MOLD?

Homeowners insurance won’t cover mold removal or damage unless it was caused by
a sudden or accidental incident.


DOES RENTERS INSURANCE COVER WATER DAMAGE?

In cases of water damage, renters insurance works similarly to homeowners
insurance. Your belongings are usually covered if the damage was sudden,
accidental, and came from inside the residence. However, unlike homeowners
insurance, the responsibility for water damage to the structure in a rented
residence falls to the landlord's insurance.

Learn more about what renters insurance covers.

Quote homeowners insurance online or call for advice

 * Get a quote
 * Or, call 1-866-749-7436

Learn more about home insurance policies.


RELATED ARTICLES

   

 * IS AN HOA RESPONSIBLE FOR WATER DAMAGE TO YOUR CONDO?
   
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 * WHAT IS FLOOD INSURANCE?
   
   4 min to read
   


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Please note: The above is meant as general information to help you understand
the different aspects of insurance. Read our editorial standards for Answers
content. This information is not an insurance policy, does not refer to any
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exclusions expressly stated in any insurance policy. Descriptions of all
coverages and other features are necessarily brief; in order to fully understand
the coverages and other features of a specific insurance policy, we encourage
you to read the applicable policy and/or speak to an insurance representative.
Coverages and other features vary between insurers, vary by state, and are not
available in all states. Whether an accident or other loss is covered is subject
to the terms and conditions of the actual insurance policy or policies involved
in the claim. References to average or typical premiums, amounts of losses,
deductibles, costs of coverages/repair, etc., are illustrative and may not apply
to your situation. We are not responsible for the content of any third-party
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