Does Your Insurance Cover Water Damage in Your Home?

Water Intrusion Repair Sacramento

When you purchase homeowners insurance, you do so in the hopes that you’ll be protected if your home is damaged in any way. However, homeowners insurance doesn’t cover everything. It’s extremely important to understand what’s covered under your policy, so you can be prepared if any damage occurs in your home. If you have questions regarding your specific coverage against water damage, we encourage you to contact your insurance carrier. However, to get you started, we’ve put together some basic information about what kinds of water damage are typically covered under homeowners insurance.

If you spot any signs of water damage in your home, contact our water leak detection company in Sacramento, CA. Knowing the source of the water damage will help you to determine whether or not your homeowner’s insurance policy will cover the damage.

What’s Typically Covered by Homeowners Insurance?

Most homeowners insurance policies state that they’ll cover water damage that is “sudden and accidental” and not caused by flooding from a natural disaster, such as a hurricane. Types of water damage that typically fall into this category include the following:

  • Burst pipes – If a pipe bursts unexpectedly, through no fault of your own, it will typically be covered by your homeowner’s insurance. This may include frozen pipes that burst, so long as you are making efforts to keep your home properly heated. For example, a sudden and unexpected cold snap, accompanied by a power outage, would be beyond your control, and being unable to heat your home may result in burst pipes. This is an example of water damage that would typically be covered.
  • Accidental leaks – If your washing machine or dishwasher breaks mid-cycle, leading to significant water damage, this type of leak would generally be covered. However, keep in mind it must be “sudden and accidental,” as opposed to the slow, gradual water damage caused by lack of maintenance.
  • Fire-related water damage – If your home suffers from fire and subsequent water damage to put that fire out, this should be covered by your insurance policy.
  • Roof leaks – Assuming that you’ve made every effort to maintain your roof and repair obvious damage, water damage from roof leaks should be covered by homeowners insurance. For example, let’s say a tree limb falls on your roof during a storm. The water damage caused by the resulting leak would be covered. However, if you don’t repair your roof and more water damage occurs during the next rainfall, that may not be covered.
  • Water damage from storms – Sudden and unexpected water damage from a storm, such as hail or heavy rainfall, may be covered by insurance. (Note that this excludes flood damage.) This can also include ice dams that build up in your gutters, resulting in water accumulation and damage around the foundation, so long as a lack of proper gutter maintenance doesn’t cause the damage.

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What’s Not Usually Covered by Homeowners Insurance?

We’ve already mentioned a few exceptions above that could exclude your water damage from homeowners insurance coverage. However, here’s a bit more information on what’s typically not covered by homeowners insurance:

  • Flood damage – Flood damage differs from water damage caused by heavy rainfall in that it is more widespread. If only your home is impacted by water damage in a heavy rainstorm, it’s likely to be covered. If your entire area is flooded and there’s widespread damage, this is considered flood damage and would only be covered if you have separate flood insurance.
  • Water damage from lack of maintenance – If you’ve been neglecting your plumbing, not maintaining your roofing, or refusing to clean out your gutters, your home suffers water damage. As a result, your insurance likely won’t cover the repairs.
  • Water damage from earth movement – California can be prone to large and small earthquakes. If one of these “earth movements” bursts a pipe in your home, the resulting water damage would only be covered if you have earthquake insurance.
  • Gradual water damage – If you have a slow, steady leak that goes unrepaired for an extended period, you can sustain significant water and mold damage. However, because it’s not “sudden” water damage, it’s generally not covered by homeowners insurance; rather, it would be considered a lack of maintenance since you didn’t repair it sooner.

We understand that navigating insurance, water damage, and water intrusion repair in Sacramento can be stressful. That’s why Bullseye Leak Detection is committed to helping you navigate your insurance claims while also finding and repairing the source of the water damage. We’ll pinpoint the source of your leak quickly. Contact us today to get the help that you deserve.