Damaged Houses Surrounded By Water

Does Homeowners Policy Cover Water Damage?

It’s natural for every homeowner to learn about what is protected by your home insurance policy and what is not covered. After all, owning a home is a considerable investment. You want to have peace of mind knowing that your home is protected, especially against natural disasters.

Water damage, for example, is one of the more common issues that homeowners face. Whether a massive storm rolls in or a pipe bursts, water can quickly flood your home and cause irreversible damage to the interior and exterior spaces. You need to be prepared for a potential disaster with coverage that covers your assets.

So, you may be asking, “Does my homeowner’s insurance policy cover water damage?” Well, it depends. In this post, we will break down what is traditionally covered by these insurance policies. We will explain how you can protect your family, belongings, and property in the case of water damage.

What Type of Water Damage Does Homeowners Insurance Cover?

Homeowner’s insurance policies cover many different things. Their purpose is to give you a sense of peace in knowing that you and your home are protected even during those unanticipated moments.

Traditionally, these insurance plans will cover events that are out of your control. Keep reading to learn more about the water damage incidents in which you will be completely covered.

Bad Weather or Natural Disasters

Even if you can prepare your home before a big storm hits, water can still find a way to cause damage.

Your insurance policy will cover water damage due to natural disasters and bad weather. Providers understand that you cannot control these situations.

Flooding and leaks are the primary issues after heavy downpours and can leave your home a soggy mess. Everything from the walls to the furniture is susceptible to water damage, but as long as your home is covered under an insurance plan, you should be just fine and will have some help to restore your home.

If you are in high flood risk areas, you may want to do some research to see if your basic homeowner’s insurance policy will cover you in the case of a flood or if you need to look into getting some extra protection.

White Wall With A Matching White Pipe And Red Lever ValveUnplanned Plumbing and Pipe Issues

As long as you are up to date with your annual plumbing and pipe inspections on your home, you should be covered in the case of an accidental pipe burst and subsequent flood or leak.

These incidents are far out of your control in most cases, and you cannot prepare for them. Homeowner’s insurance policies almost always cover these types of situations. Still, you may need to provide some proof that you have had the pipes serviced and inspected as regularly as they are supposed to be.

Post-Fire Cleanup

In the case of a fire inside of your home, there is a good chance that water will be one of the main tools to stop it from spreading. At that moment, the fire crew isn’t too concerned about what the water may be coming in contact with since their primary focus is on putting the fire out.

Because of this, there is often a lot of water damage to deal with in the post-fire cleanup process. Since this type of incident can’t be avoided, it is almost always covered by your homeowner’s insurance policy.

In these cases, it is best to reach out as quickly as possible to state your claim and let the insurance providers know that the fire occurred and called for water to put it out.


After any type of water exposure, there is a chance that mold will start to grow in your home. Mold is not only a nuisance, but it can also lead to some health issues if you are exposed to it for any length of time.

Restoration services can be expensive on their own, but there is a chance that your homeowner’s insurance policy will cover the cleanup costs.

Mold remediation will only be covered if the water damage occurred because of one of the reasons listed above. If you have mold growing in your home for some other reason, or it is an issue that you have not taken care of, you may struggle to find a provider to cover this one.

As long as you can prove what happened and can provide some basic documentation of what occurred, there is a good chance that your insurance providers will work with you to restore your home.

What Type of Water Damage Does Homeowners Insurance NOT Cover?

As a homeowner, you are responsible for keeping your home up to code. Otherwise, your property will be deemed unsafe to live in. Insurance providers will not cover any water damage that results from a lack of responsibility on behalf of the owner.

Many of the yearly inspections that you should be scheduling are strongly suggested for a reason – you can usually spot issues early enough to work on repairs and prevent anything from getting worse.

However, if you choose to ignore these recommendations or avoid those inspections, you could pay for it big time.

Faulty pipes and plumbing issues that are not properly inspected or serviced are more likely to burst and cause water damage throughout your home. If you have not done everything in your power to regularly keep up with inspections and service calls, you may be on your own to deal with the restoration process.

Insurance policies cover instances when you could not have prevented the accident. It is in your best interest to take all necessary precautions and to keep your house in the best possible condition so that your insurance policy can help you!

How Do I Deal with Insurance After Water Damage?

After water damage has occurred, calling your insurance provider should be your priority. The faster you get in contact with them, the more likely you will get the help you need quickly.

Here’s what you can do:

  • You will need to submit your claim and work with an insurance representative on what the next steps will be.
  • In most cases, you will be given a list of local restoration services that are covered by your insurance company.
  • From there, you will schedule a time for them to come out and start on the repairs in your home.


If your home has recently had some water damage, you will need not only an insurance provider’s quality coverage but also the help of an expert water remediation team.

Do not wait for your insurance company to get the remediation process started. Contact our team at All Dry USA for immediate help. We are happy to start repairing the home and help you deal with insurance coverage.

Call us today to schedule a consultation and see if our services are covered by your insurance provider!

Ben Suiskind
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