Is Water Damage Covered By Homeowners Insurance?

Water damage is one of the most common restoration services that the restoration industry sees, thus water damage is one the most common reason to file a homeowners insurance claim. Most homeowner’s policies will cover the restoration costs is the water damage is sudden or accidental, however, if the damages were gradual or neglected many insurance policies will deny the claim.

Types Of Homeowners Insurance Coverages

There are two different types of coverage that are within the insurance policies that can be applied based on the type of water damage and the situation. 

Dwelling Coverage

Dwelling coverage is used to pay for any damages that may have occurred to the structure of the property. For example, is a pipe unexpectedly burst this type of coverage will cover a portion or all of the repair costs, depending on the policy. 

Personal Property Coverage

Personal property coverage is used to pay for the damages that have occurred to personal belongings. For example, if a burst pipe damages a computer, the repair costs may be covered under the personal property coverage, depending on the policy.

water damage insurance coverage

What Water Damages Are Covered By Home Insurance

Most standard homeowner’s insurance policies will cover water damage that is sudden and inside the home, the water could not be from the exterior of the property. These sudden damages could be a result of sudden tearing, cracks, burns, heating or air conditioning unit malfunctions, or from an automatic fire protection sprinkler system. 

Water Damage Situations Coved By Homeowners Insurance

  • Heavy rain or snow
  • Burst pipes or frozen pipes
  • Accidental sink overflow
  • Accidently tub overflows
  • Accidental overflowing toilet
  • Leaking roof (will not cover the roof repairs)
  • Vandalism

Water Damage Situations Not Covered By Homeowner’s Insurance

  • Sewage or water backups 
  • Flooding – For protection, an additional flood policy must be purchased
  • Aging pipes that have burst 
  • Groundwater seepage
  • Any Gradual Damage 


What Is Gradual Water Damage?

Gradual water damage occurs when the water, over an extended period of time, caused damages to the property. Many water damage related claims are denied due to gradual damage. The following are examples of gradual water damage that will not be covered by most homeowner’s insurance policies. 

  • Water damage caused by outside water seeping through cracks in the foundation, or other areas in the home. 
  • Leaking pipes or faucets that cause damage over time to surrounding areas.
  • Aging or deteriorating parts of the roof that clearly need repairs. 
  • Mold damage. 
  • Poor repairs or neglect of repairs.

homeowners insurance


How to Avoid A Denied Water Damage Home Insurance Claim

Keeps Records

If your home has received any repairs or maintenance, it’s important to keep records of all repairs performed, and the companies hired to complete the job. If your home experiences water loss, these records are key.

Know Your Policy

Know and understand your homeowner’s insurance policy. This includes knowing exactly what is covered by your policy and exactly what is excluded. 

Home Repairs

Regular home maintenance is important to avoid sudden damages, and performing small repairs will help avoid large losses later.

water damage insurance claim

What Our Customers Are Saying

Great company, and even greater employees.Clean and professional, and dedicated to the end. I would love to work with a team like this anytime. Soon as they’re hiring I’m applying🖒
Great company, and even greater employees.Clean and professional, and dedicated to the end. I would love to work with a team like this anytime. Soon as they’re hiring I’m applying🖒
Sam Fox
Sam Fox

16:57 05 Mar 19
Roy was super helpful and professional! He is very detailed in his work and I highly recommend consulting him on your mold issue.
Jeff Carrier
Jeff Carrier

17:20 16 May 18
So grateful I call Kidd’s Restoration. They did the job right the first time, took care of me and my wife with respect and had the friendliest technicians. It was a water damage that was later discovered to find mold. They did everything start to finish including repairs. I highly recommend calling Kidd’s Restoration for any of your restoration needs.
Kevin Reinert
Kevin Reinert

17:16 16 May 18
Had a devastating home fire and Kidd’s Restoration responded fast to secure my home and get it boarded up. Afterwards they worked with my insurance adjuster to make sure everything was going to be done correctly and they cam to an agreed upon price with the insurance. The process, considering a major home fire, could not of been easier!
Tim Hayden
Tim Hayden

17:14 16 May 18
First time using Kidds Restoration and Cleaning and I would use them again if I had to, let’s hope I don’t, lol. We had water damage in our closet, not a huge area but they still took care of us like we were their only customer. Definitely recommend you go no where else and hire Kidds Restoration for you water damage cleanup.
Casey Clark
Casey Clark

17:12 16 May 18
Had water in my basement and Kidds Restoration took care of it immediately. They responded same day, extracted the water in the basement and had my house dry within days. They were a life saver.
Cari Zello
Cari Zello

14:52 13 Sep 16
I have used this company for 15 years. They are professional and do an excellent job. They have always helped me out when I am in a jam. I highly recommend them.