What Kind of Water Damage Does Insurance Cover?

What Kind of Water Damage Does Insurance Cover?

The following contribution is from another author. 

Water damage is one of the worst things you can experience. This is because not only is there a massive mess to clean up, but there is also the risk of mold, which can cause health problems. To find out whether or not your water damage is included in your insurance coverage, you would have to review your individual insurance policy. This is because every insurance policy is different depending on the organization.

Types of Water Damage Insurance Companies Could Cover

Most insurance companies will not cover all types of water damages. For example, no homeowner’s insurance will ever cover floods. Flooding is not considered part of this policy, regardless of where it comes from, whether it’s indoor flooding or from natural sources externally. A separate flood insurance policy has to be purchased. Any water backup from a sewer, drain, and ground seepage has to be covered separately too. The damages that are covered by water damage will allow you enough funds to return your home back to its original state before the damage occurred.

Water Damage from Plumbing Leak

If a plumbing leak happens accidentally and suddenly, it might be covered by homeowners insurance. This can occur if a washing machine hose bursts or a rusty faucet breaks. You may want to consult an Adelaide plumber. Often, this is not covered if it is shown that you have poorly maintained the appliances. If you don’t repair these items then the insurance company may not repair them. It is covered if the accidental overflow comes from an appliance or fixture, such as your washing machine, bathtub, or toilet.

Burst Pipes

If the infrastructure of your home is damaged due to water, this can be covered under insurance. This often happens if a pipe bursts and ruins a wall. If a pipe opens up the ceiling and pours water in, this may be covered too. The company may cover the repairs for this because it may destroy the structure of your home. This includes not only cleaning up and drying the mess but also repair of drywall, wood flooring, and furniture.

Snow or Rain Storm

Insurance companies will cover water damage for very harsh and inclement weather. Coverage includes when a snowstorm winds up pushing snow indoors or heavy rain begins to cause leaks inside your home.

Hidden Water Damage

Insurance companies may cover water damage that is hard to diagnose or find. This includes leaks that come from common wear and tear from rusting or deterioration. The internal systems of the home may begin to corrode and leak into cabinets, ceilings, walls, and floors. Hidden water leaks can be expensive and go mostly unnoticed. By the time it is discovered a lot of the damage has already been done. This includes the cost to remove mold and damage from A/C, heating, or sprinkler damage. This also covers appliances.

Leaking Roof

The insurance company will cover water damage if the roof is faulty and begins to cause rot to drywalls and soggy carpets. However, they will not fix the roof itself. They only cover the damage to the interior of the home.

Find Out More Information

If you are unsure what your coverage may entail, you can read more here to learn more about the damage recovery process. Insurance professionals can estimate and judge what you are covered under your policy.


Health Risks


Eric is the creator of At Home in the Future and has been a passionate fan of the future since he was seven. He's a web developer by trade, and serves as the Director of Communication and Technology for a large church in Nashville, TN (where he and his family are building a high tech home in the woods).

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