Does Insurance Cover Water Damage?

What homeowners insurance covers and excludes for water damage, the difference between water damage and flood, and how to file a claim that gets approved.

Navigating Homeowners Insurance for Water Damage

Dealing with water damage is stressful, and worrying about whether your insurance will cover the costs only adds to the burden. At DryForceTeam, we work directly with insurance providers, so we know how these policies generally function.

What is Usually Covered?

Most standard homeowners policies cover water damage that is sudden and accidental. Examples include:

• A pipe bursting unexpectedly.
• A water heater rupturing.
• Supply line failures on appliances (like a washing machine).

What is Usually Excluded?

Insurance generally does not cover damage resulting from neglect or lack of maintenance. For instance:

• A slow, continuous leak that lasted for months.
• Damage from regional flooding (this requires separate flood insurance).
• Sewage backups (often requires a separate policy endorsement).

How DryForceTeam Helps

When you call DryForceTeam, we document everything meticulously. We provide the photos, moisture readings, and detailed reports that insurance adjusters need to process your claim smoothly. We can even bill your insurance directly!