What Water Damage Does Homeowners Insurance Cover?

Homeowners insurance often covers water damage that happens suddenly and accidentally. Examples include a pipe that bursts while you are at work, a washing machine hose that snaps, or a water heater that gives out. In these cases, the damage to your home and belongings may be covered, minus your deductible.

The key word is sudden. If the event is unexpected and not the result of neglect, you have a stronger chance of coverage. You should still review your policy to see what perils are named. Some policies exclude certain types of water damage, so knowing your specific coverage matters.

Flooding from outside, such as a river overflowing or heavy rain causing ground flooding, is usually not covered by a standard homeowners policy. You would need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. In a humid subtropical climate with hot humid summers and a Gulf hurricane season, flood risk is a real concern.

If you live in a flood-prone area, consider whether your property sits in a flood zone. Check your policy to see if flood damage is excluded. If you have a mortgage in a flood-prone area, your lender may require flood insurance. Otherwise, you can purchase it voluntarily.

If you have water damage, you may need help beyond drying. Local water damage pros can handle inspection, cleaning, and repair. They can assess affected areas like drywall, ceilings, or flooring. A thorough inspection can reveal hidden moisture and prevent mold growth.

For specific issues, consider services like stain removal, drywall repair, or ceiling restoration. For crawlspace or attic damage, specialized cleanup may be needed. You can choose the service that matches the type and location of the damage in your home.

• Water Damage Inspection
• Stain Removal From Water Damage
• Drywall Water Damage Repair
• Ceiling Water Damage Restoration
• Crawlspace Water Damage Cleanup