is water damage covered by homeowners insurance

Is Water Damage Covered by Homeowners Insurance?

Whether or not water damage is covered by homeowners insurance depends on the specific circumstances of the damage, the cause of the damage, and the terms of your insurance policy.


In general, most standard homeowners insurance policies will provide coverage for sudden and accidental water damage, such as a burst pipe or a leaky appliance. However, damage caused by flooding, groundwater seepage, or poor maintenance may not be covered under a standard policy and may require additional flood insurance or a separate policy.


It’s important to review your insurance policy to understand the specific coverage and exclusions related to water damage. If you’re unsure about the coverage provided by your policy, it’s recommended to contact your insurance provider to clarify any questions or concerns you may have.


In addition, it’s important to take quick action to mitigate any water damage to prevent further damage and mold growth, regardless of whether or not the damage is covered by your insurance policy. Contacting a professional water mitigation and restoration company can help you minimize the damage and restore your property as quickly and effectively as possible.

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