Does Homeowners Insurance Cover Water Damage? FAQ Answered
Water Damage

Does Homeowners Insurance Cover Water Damage?

Owning a home is a wonderful experience, except when trials and tribulations emerge. A massive storm blows through your area, the power goes out and a place that once felt like a fortress suddenly seems as though it could collapse any minute. The dust settles and the rain the clears but you realize your home is now flooded with rainwater. Now what? This is why Restoration Local works with your insurance company to resolve these issues, regardless of circumstance.

After the shock wears off, the first question that comes to mind for most is, “Does homeowner’s insurance cover water damage?” You find yourself scrambling to retrieve documents to see what can be done about your situation. After finding your files or pulling up the policy online, you feverishly search for the documents to find the answer to questions such as, “Does homeowners insurance cover water damage from rain?”

You should eventually find a section relative to water damage covered by your plan. The problem most find after inspecting the particular clause as to whether does insurance cover water damage seems either unclear or inapplicable.

It can be tricky, to say the least. Will insurance cover water damage, is a question we can’t answer for all cases, however, in the sections below, we will help you navigate your tragedy with sound advice.

What Type Of Water Damage Is Covered By Homeowners Insurance?

This is always a good question. Much of what your insurance covers depends on what you actually incorporated into your insurance policy. In a more familiar sense, car insurance only covers what you specify. Think about how the most basic service being PLPD only covers personal liability and property damage – so does a basic home insurer’s policy only cover core issues with a house.

As this is the most common kind of claim against home owner’s insurance, this is sometimes packaged with basic levels of homeowner coverage for new buyers. However, it’s not always the case.

Generally speaking, if you have a recent mortgage, a component exists within your agreement requiring you to hold (often, mandating) insurance is included with your repayment agreement. In many cases, overall homeowner coverage is packaged into a mortgage loan for at least a year where it may or may not include coverage for water-related issues. There are several factors that can affect your individual circumstance and ultimately decide whether or not water damage is covered.

You may be surprised and disheartened to learn that this usually exists as an add-on constituent. In some respect, it’s not as bad as it seems since this is often a costly component of homeowner insurance. This is why Restoration Local makes it a point to alleviate the financial burden for those not covered who are afflicted with water damage or mold.

Those who have owned their home for years typically need to add water damage as an additional service, per their insurance policy. Basically, without specifying the need for such damage coverage directly, it is uncommon such terms are applied to a homeowner policy.

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What Type Of Water Damage Is Covered By Homeowners Insurance?

The problem most encounter is the fact that water damage is such a broad spectrum. Water damage doesn’t necessarily come from a storm – in many cases, bad plumbing and other issues create these kinds of watery affairs. Commonly, problems stemming from certain insufficiencies are considered neglect and therefore, not covered.

Next is the problem of defining and further, arguing against neglect – what actually constitutes neglect when it involves water damage? Typically, this boils to two main clauses within an insurance policy, namely addressing the question as to whether will homeowners insurance cover water damage.

General Water Damage

Did a sink overflow? Were the gutters neglected for so long that water trickled over the edges and eventually seeped into the foundation then flooded areas of the basement? Did an appliance malfunction and spew water throughout your home?

These scenarios are usually only covered by more premium policies offered by home insurers, at best. With that said, such mishaps are generally not covered by most basic homeowner policies.

Should you experience the unfortunate scenario where a certain basin (i.e. kitchen sink, bathtub, washing machine, bad septic system, malfunctioning toilet, etc.) happens to overflow and causes water damage, your homeowner policy will probably not assist with these sorts of issues. As tragic as it may be, Restoration Local is one such company that can assist homeowners with cost-effective solutions for repairing damage caused by water.

Another situational issue stems from burst pipes usually due to freezing cold temperatures. This is common in colder regions and as such, it is offered with some policies or as part of a package with utility service in some areas. Because this isn’t common in warmer regions, homes in hotter climates may be left to drown should a water pipe rupture.

Flood Damage

A strange part for many insurance policies is how the definition of “flood damage” varies, state by state. One would think that flooding is a straight-forward problem but in fact, many find their insurance policies do not cover these issues.

As such, many providers offer supplemental flood insurance, especially in high-risk areas. Fortunately, certain possessions within a certain price point are covered by a flood insurance policy as is fixing the underlying problem and damage to the infrastructure.

If this doesn’t apply to your situation, navigating these specific issues without the help of a professional could lead to any number of problems. Your main concern should be getting everything repaired, per the conditions of your flood insurance policy. Mold will quickly become almost every case. Should homeowner’s insurance cover water damage, mold remediation should be covered as well. These are exactly the kinds of matters we incorporate into our negotiations with insurance companies.

What To Do If Not Covered?

Sadly, it’s quite common that most home insurance policies don’t include proper coverage for water-related damage. As such, it often seems like all is lost when such tragedy strikes. Fortunately, this is almost never the case.

Before falling into a complete tailspin, take a minute to personally assess the actual losses you currently perceive. Though valuable items may be caked with moisture, there is hope. Regardless of how you approach the situation, whether filing a claim through insurance or replacing items out of pocket, you’ll need to personally evaluate some of the damage.

Your electronics may have succumbed to water damage but some items, especially those with sentimental value, may be salvaged. If you asked the question, “Is water damage covered by homeowners insurance?” and found the answer is “no” then the following process will definitely apply.

Though certain meaningful possessions such as pictures or furniture may forever be altered, drying out said items with the aid of a dehumidifier, some towels and good ole air flow may save them from complete destruction. As far as your structure is concerned, allowing a professional to handle the situation is your best bet, even if not part of an insurance policy.

Thankfully, even though fixing water damage for a structure is a pain, it is certainly possible. Whether through your insurance or paying out of pocket, Restoration Local is available to restore your home to its former glory. Free estimates are available where a professional comes to your home and assesses the damage anywhere in the US.

After we’ve reviewed the extent of the water damage, we work with your insurance provider to maximize the work we can perform within the scope of your contract. If you’re not covered, we help in any way we can to bring your home back to its former glory. Give us a call at 1-888-443-3110 to see how we can solve your water-related issues.


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