Is Water Damage Covered by My Homeowners Insurance?

Water damage can be a nightmare for homeowners, causing extensive property loss and expensive repairs. Whether it’s a burst pipe, a leaky roof, or a natural disaster, understanding if your homeowner's insurance covers water damage is crucial. In this article, we'll explore the different scenarios where water damage might be covered and how you can protect your home effectively. When Does Homeowners Insurance Cover Water Damage? Homeowners insurance typically covers "sudden and accidental" water damage. This could include damage from burst pipes, appliance malfunctions, or accidental overflows. However, coverage often depends on the specific circumstances and the type of policy you have. Sudden and Accidental Damage: If a pipe bursts unexpectedly or an appliance like a washing machine suddenly leaks, your homeowner's insurance policy will likely cover the restoration of water damage. However, it’s important to file a claim promptly and document the damage. Roof ...