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Does Homeowner’s Insurance Cover Water Damage Restoration?


Water damage can occur in your home at any time, causing a variety of problems that require immediate attention. Whether it’s a burst pipe, a leaky roof, or a flooding incident, water damage can be costly to repair and restore. When water damage occurs, many homeowners expect their homeowner’s insurance policies to cover the restoration costs. But does homeowner’s insurance cover water damage restoration? In this article, we’ll examine the details to help you understand when you can rely on your insurance and when you might have to foot the bill yourself.


Understanding Homeowner’s Insurance


Before we dive into water damage coverage, it’s crucial to comprehend the basics of homeowner’s insurance. This type of insurance typically covers damage caused by specific perils, including fire, windstorms, theft, and vandalism. While it’s designed to protect your investment, not all types of damage are covered.


Water Damage Categories


Water damage has a few complicating factors, the first of which is the category the water damage falls into. Water damage can be categorized into two main types:


Sudden and Accidental Damage: This category includes sudden, unexpected incidents like a burst pipe, a malfunctioning water heater, or a washing machine overflow. In most cases, homeowner’s insurance policies will cover these types of damages.


Gradual Damage: Gradual damage refers to situations where the damage occurs over time, such as slow leaks from a damaged roof or a long-term plumbing issue. Unfortunately, homeowner’s insurance typically doesn’t cover gradual damage. Insurance policies usually interpret this type of damage as the owner failing to properly maintain their property. Insurance policies are not intended to be a maintenance contract, thus gradual damage is typically not covered.


At Flood and Fire Solutions, we estimate about 70% covered vs. non-covered for gradual water damage.


Covered Water Damage Scenarios


Now that we’ve distinguished between sudden and gradual damage, let’s explore scenarios where homeowner’s insurance can help:


Burst Pipes: If a pipe bursts unexpectedly, flooding your home and causing damage, your insurance is likely to cover the cost of repairs and restoration. When pipes burst, there is very likely a need for restoration work of some kind, even if it is just professional drying and damage mitigation.


Appliance Leaks: A sudden and accidental appliance leak, like a malfunctioning dishwasher or washing machine, should be covered by your insurance.


Roof Leaks from Storm Damage: If a storm causes a tree to crash through your roof, resulting in water damage, your insurance should cover the necessary repairs.


Accidental Overflow: If your bathtub overflows because you forgot to turn off the tap, your insurance will likely cover the resulting damage.


Exclusions and Limits


It’s essential to review your homeowner’s insurance policy carefully, as there may be exclusions or limits on water damage coverage. Some policies might not cover flooding from external sources, such as heavy rains or nearby bodies of water. To protect against these situations, you may need a separate flood insurance policy.


Additionally, insurance policies have coverage limits. If the cost of water damage restoration exceeds your policy’s limit, you’ll be responsible for the additional expenses. 


Finally, be mindful of property values and how they relate to the amount of coverage your policy offers. If the damage is severe and requires rebuilding portions of your home, the costs for materials and labor have increased significantly in the past few years. If your policy predates COVID-19, we advise reviewing your policy to ensure your coverage is adequate for the potential risks in your area.


Preventative Measures


While homeowner’s insurance can be a lifesaver in certain situations, it’s also wise to take preventative measures to reduce the risk of water damage. Regular maintenance, addressing small issues promptly, and installing safety features like sump pumps can help you avoid costly claims.




In summary, homeowner’s insurance can cover water damage restoration, but the extent of coverage depends on the nature of the damage. Sudden and accidental damage, such as burst pipes, appliance leaks, and storm-related roof damage, is typically covered. However, gradual damage due to lack of maintenance is not covered. It’s essential to review your policy, understand any exclusions or limits, and consider additional coverage, such as flood insurance, if you live in a flood-prone area. Taking preventative measures to minimize the risk of water damage is also a smart strategy.




Water damage restoration costs are a common concern for homeowners, and understanding your insurance coverage is vital in such situations. While homeowner’s insurance can be a valuable resource for addressing sudden and accidental water damage, it’s not a guarantee for all scenarios. Being well-informed about your policy and taking preventive actions to safeguard your home against water damage can help you avoid potential headaches and financial burdens. Always consult with your insurance provider to clarify any doubts and ensure that you have the right coverage to protect your home and your peace of mind.


Do you suspect you have a water leak or mold issue? Schedule a free inspection today.