Water Damage, Water Damage Restoration

Does Homeowners Insurance Cover Water Damage?

When someone is burdened by the intrusion of water into their home, one of the first questions they ask is “Does homeowners insurance cover water damage?”

The answer to this question is usually a resounding – Yes.

The reason why I use the word usually is because it depends on the source of the water damage.

Homeowners insurance typically covers most forms of water damage.Below is a list of scenarios where water damage is covered by your insurance company:

  • Rain damage through a roof or broken window
  • Burst pipe due to freezing
  • Sewer backup – provided you have sewer back up coverage

Flooding is not typically covered by your insurance company, unless you specifically have insurance for it.

Any time you need water restoration services, you should call your insurance agent to ensure that your homeowners will cover your claim and also call Restoration Local 24/7 at 1-888-443-3110 for a free estimate. We work with your insurance company.