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Fire & Water - Cleanup & Restoration

Homeowners' Insurance & Water Damage Coverage

10/29/2018 (Permalink)

Does Homeowner’s Insurance Cover Water Damage?

Homeowners insurance is useful in times of an emergency. Insurance allows you to avoid having to pay out-of-pocket for expenses that are related to damage to your home. Submitting a claim after your home is damaged by water helps you recover money spent on repairs. However, it is important to know that there are positive and negative points to filing a water damage insurance claim has its good points and bad points.

Water Damage Coverage

Your insurance company covers certain types of water damage. In most instances, the insurance company will cover any damage that is the result of a sudden event. For example, if the broken dishwasher leaks water and causes any water damage, you are covered by your policy. But, any damage that results from a dishwasher that malfunctions because of inadequate maintenance or neglect will not get covered. 

No Coverage

An issue that homeowners face that is not covered by a regular homeowner’s insurance policy is flood damage. If a local river overflows and floods your home, the flooding is not covered by your homeowner’s insurance policy. You will need to purchase a separate insurance policy to cover flooding. This type of insurance is advised for anyone living in an area prone to flooding.


Water damage is covered by homeowner’s insurance.

Unfortunately, there are some limitations to this coverage. An accident that occurs suddenly will likely get covered. However, flood damage that arises from poor maintenance is not covered by your policy. It is important to know that you may find yourself disagreeing with your insurance company about the nature of your water damage. An incident that you believe is the result of a sudden accident may not get viewed as such by your insurer. Your insurance company may argue that the damage was caused by improper maintenance of your home.

If you need help with flood damage in Melbourne, Suntree, Viera, Rockledge, Indian Harbour Beach, West Brevard, West Melbourne, Satellite Beach. Please allow us to be of assistance, give us a call at (321) 953-8600.

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