Homeowners Insurance usually covers water damage except as excluded on a policy! Water Damage due to Flood Waters from outside are not covered and also the Backup of Sewers/Drains may be limited or excluded on a home insurance policy unless endorsed otherwise.
If water damage is caused as a result of a leaking roof or broken interior plumbing, the damage would usually be covered. Please note: plumbing is not covered by the home insurance policy since plumbing is expected to be maintained in good condition at all times by the homeowner. A home warranty policy may be separately purchased by the homeowner for maintenance repairs including plumbing.
For further details on coverage, please consult your policy booklet and/or contact a licensed representative to assist reading the policy to answer your question in detail.
Manager, Marindependent Insurance Services LLC, California
It depends. It depends how and why the water got into the home. That is the short answer. Now lets talk about some general situations:
If the water was from a natural (outdoor) flood, such as a river overflowing its bank, it typically would not be covered under home insurance. This would most likely be covered by flood insurance.
If the water came out of your sewage system. Such as an overflow. Typically it would only be covered if you carried the endorsement for this. However this can depend on your home insurance policy.
If water comes in from your house from some other reason, it will depend on the cause. If a storm comes to your house and rips a whole in the roof, than more than likely you should be covered (although in hurricane county you may have a separate deductible for this.)
There are also numerous exclusions to some of these coverages.
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If water damage is caused as a result of a leaking roof or broken interior plumbing, the damage would usually be covered. Please note: plumbing is not covered by the home insurance policy since plumbing is expected to be maintained in good condition at all times by the homeowner. A home warranty policy may be separately purchased by the homeowner for maintenance repairs including plumbing.
For further details on coverage, please consult your policy booklet and/or contact a licensed representative to assist reading the policy to answer your question in detail.
If the water was from a natural (outdoor) flood, such as a river overflowing its bank, it typically would not be covered under home insurance. This would most likely be covered by flood insurance.
If the water came out of your sewage system. Such as an overflow. Typically it would only be covered if you carried the endorsement for this. However this can depend on your home insurance policy.
If water comes in from your house from some other reason, it will depend on the cause. If a storm comes to your house and rips a whole in the roof, than more than likely you should be covered (although in hurricane county you may have a separate deductible for this.)
There are also numerous exclusions to some of these coverages.