Water damage is one of the most common and costly home insurance claims, yet most homeowners don’t fully understand their coverage until it is too late. To avoid costly surprises, it’s crucial to understand what your policy does and does not cover before you’re faced with a leak, burst pipe, or flood.
What does homeowners insurance cover?
Homeowners insurance is meant to protect you and your property in case of an unexpected loss. A standard home insurance policy typically covers the dwelling, personal belongings, other structures, loss of use, medical payments, and personal liability protection. Homeowners insurance covers losses or “perils” such as fire, wind, hail, vandalism, or theft.
When is water damage covered by homeowners insurance?
Water damage is usually covered when it meets these two conditions: It’s sudden and accidental, not a result of neglect and the source of the damage is from within the home, not from rising groundwater or floods.
Common examples can include:
- Burst pipes: If a pipe freezes or bursts unexpectedly, the resulting water damage is generally covered.
- Accidental appliance leaks: Water damage from a malfunctioning washing machine, dishwasher, or water heater is usually covered.
- Overflowing fixtures: Sudden overflows from sinks, toilets, or bathtubs that cause water damage are often covered.
When is it not covered?
Not all water damage is covered by your policy. If the damage happens gradually, is caused by poor maintenance, or comes from outside your home, it will not be covered by your standard homeowners policy.
Common examples can include:
- Flooding from natural causes: Damage caused by overflowing rivers, storm surges, or hurricanes typically isn’t covered under a standard policy. You will need a separate flood insurance policy for that.
- Sewer or drain backups: If water backs up through your sewer or drains, it is usually not covered.
- Gradual leaks: Damage from slowly leaking pipes, aging appliances, or a neglected roof won’t be covered because it’s considered a maintenance issue, not an accident.
Is mold covered by homeowners insurance?
Typically, mold caused by a covered water event (like a burst pipe) is usually included. However, mold from humidity, slow leaks, or lack of maintenance typically is not covered.
Let’s talk
Water damage can happen fast and so can repair bills. To learn more, contact one of our experienced Avery Hall agents today at 410-742-5111 for Salisbury, 302-536-9470 for Seaford, 302-316-6565 for Selbyville, and 302-684-3413 for our Milton office.