Water damage can happen suddenly, whether from a burst pipe, heavy rains, or an overflowing appliance. Understanding whether your insurance policy covers water damage is essential to avoid unexpected expenses. This guide explains how to determine your coverage and what you need to know about filing a claim.

How to Tell if Your Insurance Policy Covers Water Damage

Knowing the specifics of your homeowner’s insurance policy can help you navigate water damage situations with confidence. This guide covers:

Understanding the types of water damage insurance typically covers
Reviewing your insurance policy
What to ask your insurance agent
Filing a claim for water damage
How Exact Recon can help after water damage

Here’s a closer look at each.

Understanding the Types of Water Damage Insurance Typically Covers

Insurance policies often distinguish between different types of water damage. Generally, policies cover sudden and accidental water damage but exclude damage caused by neglect or poor maintenance. For example, you’re likely covered for:

Burst pipes: Damage from a pipe that bursts unexpectedly.
Overflowing appliances: Water damage from a malfunctioning washing machine or dishwasher.
Roof leaks caused by storms: Damage resulting from heavy rain or hail penetrating your roof.

However, most standard homeowner’s insurance policies exclude the following:

Flooding: Water damage caused by external floods requires separate flood insurance.
Gradual damage: Issues like a slow plumbing leak that has gone unrepaired over time.
Sewer backups: Many policies don’t cover damage from sewage unless you have a specific rider.

Reviewing Your Insurance Policy

To determine whether water damage is covered, review your homeowner’s insurance policy thoroughly. Look for sections labeled “perils insured against” or “exclusions.” These sections outline what types of damage are included and what is excluded.

Pay attention to the language in your policy. Words like “sudden” and “accidental” often indicate coverage for unexpected water damage, while “gradual damage” or “wear and tear” typically means the damage is excluded.

If you’re unsure about certain terms or sections, contact your insurance agent for clarification. They can help you understand your coverage and recommend any additional riders you might need, such as flood insurance or coverage for sewer backups.

What to Ask Your Insurance Agent

When speaking with your insurance agent, ask specific questions to clarify your coverage. For example:

Does my policy cover water damage from burst pipes?
Am I covered for sewer backups or do I need an additional rider?
What is my deductible for water damage claims?
Are there any exclusions I should be aware of?
What documentation will I need to file a water damage claim?

Getting clear answers can help you feel prepared and avoid surprises if you need to file a claim.

Filing a Claim for Water Damage

If water damage occurs, contact your insurance company as soon as possible to start the claims process. Be ready to provide details about the damage, including:

The cause of the water damage (e.g., burst pipe, storm).
When the damage occurred.
Photos and videos of the affected areas.

An insurance adjuster will likely visit your home to assess the damage. During the inspection, provide all documentation you’ve gathered and ask any questions about the next steps. Keep detailed records of all communications with your insurance company, including names, dates, and any instructions they provide.

How Exact Recon Can Help After Water Damage

Dealing with water damage can be overwhelming, but Exact Recon is here to help. We specialize in water damage restoration, offering services that include water extraction, drying, and repairs. Our team works directly with your insurance company to ensure a smooth claims process, so you can focus on getting your home back to normal.

We use advanced technology to detect hidden water damage and prevent long-term issues like mold growth. With our expertise, you can feel confident that your home will be restored quickly and effectively.

FAQ About Water Damage Insurance Coverage

Check out these commonly asked questions about insurance coverage for water damage. If you don’t see your question here, please call our office and we’ll find you the answers you need.

What Types of Water Damage Are Usually Covered?

Insurance typically covers sudden and accidental water damage, such as damage from burst pipes, appliance overflows, or roof leaks caused by storms.

Does Homeowner’s Insurance Cover Flood Damage?

No, standard homeowner’s insurance policies usually exclude flood damage. You’ll need a separate flood insurance policy for this type of coverage.

What Is Gradual Water Damage?

Gradual water damage occurs over time, such as a slow leak from a pipe or roof. Most policies exclude this type of damage, as it’s considered preventable with proper maintenance.

Can I Add Coverage for Sewer Backups?

Yes, many insurance companies offer riders for sewer backup coverage. Speak with your insurance agent to add this protection if it’s not already included.

How Can I Ensure My Claim Is Approved?

Provide detailed documentation, including photos, videos, and receipts for repairs. Act quickly to report the damage and work with professionals like Exact Recon to ensure thorough restoration.

Understanding your insurance policy and knowing how to respond to water damage can save you time and money. By staying informed and working with experts, you can navigate the claims process with confidence and restore your home efficiently.