Does homeowners insurance cover water damage?

Guide for homeowners. Not legal or insurance advice.

The honest answer is: it depends on your policy and on how the damage happened. Only your insurer can tell you for sure, but knowing the usual rules helps you ask the right questions.

What is often covered

Many standard homeowners policies cover water damage that is sudden and accidental, for example a burst pipe, a failed water heater or an overflowing washing machine.

What is often not covered

Damage from slow leaks that went unnoticed, poor maintenance, or flooding from outside (rising water, storm surge) is often excluded. Flood coverage usually requires a separate flood policy.

Questions to ask your insurer

• Is this type of water damage covered, and what is my deductible?
• Can I choose my own restoration company?
• Do you need photos, an inspection or a moisture report before drying starts?
• Are emergency measures to prevent further damage covered, and do I need approval first?
• How and when will the claim be paid?

Tips that protect your claim

Document everything before cleaning up, keep damaged items until the adjuster has seen them, keep all receipts, and act quickly to prevent further damage. Delays can reduce what your insurer pays.