Does Homeowner Insurance Cover Water Damage?

Published July 17th, 2020 by Devteam

If you've ever experienced the unfortunate event of water damage to your home, you may have asked yourself this question. Does homeowner insurance cover water damage?

When water damage occurs in your home, it's hard to know whether or not it is covered under your home insurance policy. This is because the stipulations are sometimes razor-thin.

Don't worry, we'll help you understand the ins and outs of water damage and whether your homeowner insurance may cover it in this brief guide. 

When Does Homeowner Insurance Cover Water Damage 

Most standard homeowners' insurance policies require water damage to be sudden and internal. That last word is important. To be covered, the water that has damaged your home cannot touch the outside ground. 

Therefore, a standard policy may cover incidences such as accidental tearing, cracking, heating or air conditioning issues involving leaks, and water damage from fire protection systems. 

Water Damage Covered by Insurance

Remember that for your policy to cover water damage, it must result from a sudden accident. Here are some times when you're covered.  

  • Plumbing - from frozen or burst pipes, faulty plumbing, or accidental overflow
  • Fire extinguisher damage as a result of a fire
  • Accidental overflow from an appliance or fixture
  • Leaking roof - only the inside of the home would be covered, not the roof itself
  • mold
  • Vandalism
  • Rain or snowstorm

Remember that in all of these instances the water damage must be happening inside the home. 

Water Damage Not Covered by Insurance

It's crucial to note that water damage is only covered in the result of sudden, or accidental damage, not neglect of home repairs. Here is a list of times where your policy would not cover you. 

  • Ground seepage
  • Water or sewer pipe backups
  • flooding
  • poorly maintained pipes

Standard policies won't cover water damage from a flood, that would be covered under flood insurance. 

Mold From Water Damage

Mold is a common problem after water damage. Not only is mold an eyesore for your home, but it's also potentially dangerous to breathe in which can cause health problems. Although mold damage can be expensive to repair, depending on the situation, your homeowners insurance policy may cover the removal of mold from your home. 

When Mold May Be Covered

In most cases, mold is covered by what is called common peril. This would be instances like pipes bursting in your home or an overflow from an appliance or fixture, like a toilet. Other instances may include overflow from air conditioners of heating units. 

When Mold May Not Be Covered

Policies may cover anywhere from $1,000 to $10,000 for mold remediation, but it's important to state that this wouldn't cover issues of mold from neglect. To be covered, you would have to prove sudden or accidental water damage to ensure coverage for mold. Mold remediation can cost anywhere from $500 to $6,000 or more. 

Contact Your Insurance Provider

Does your homeowner insurance cover water damage? The short answer is yes, but it depends. If you're not sure if your situation applies, or just want to get more information, check in with your policy provider. 

If you're dealing with mold from water damage, it's a good idea to contact a company that does mold remediation and check in with your policy sooner rather than later. 

Because insurance providers need you to provide "sudden and accidental" problems that cause water damage, you mustn't waste any time. 

For more information on home restoration in the state of California, be sure to check back in with our blog frequently. 

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