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Water damage to your house may be covered by your homeowners insurance policy, depending on what caused the damage. Failure to take care of them can cause leaks and water damage Does homeowners insurance cover water damage from leaking pipes

Home Insurance Cover Water Damage

Your home insurance policy should cover any sudden and accidental water damage from a plumbing failure, such as a burst pipe or ruptured water heater. Types of water damage not covered by homeowners insurance leaks caused by wear and tear or neglected maintenance plumbing, appliances, fixtures — all the things that handle water in your home — come under a lot of pressure, and over time their fittings and hoses need maintenance or replacement Homeowners insurance won’t cover water damage due to poor maintenance

However, water damage from faulty plumbing or ruptured pipes is usually covered.

Homeowners insurance usually covers sudden and accidental water damage, like burst pipes or a leaky roof But other types of water damage caused by floods, neglect, or wear and tear are excluded. If you have homeowners insurance, you already have some coverage for water damage However, not all types and sources of water damage are covered by a standard home insurance policy

We take a look at the ins and outs of what may and not be covered. Additionally, losses that result from neglect or maintenance issues wouldn’t qualify for reimbursement, which is why proactive home care is essential.