What Type of Water Damage is Covered by Homeowners Insurance?

First, if you are currently experiencing water damage and reside in San Diego County please call our 24/7 emergency service line at (619)562-3800, now. Our trained water damaged technician can head to your home within 10 minutes of your call. Equally important, there is NO OBLIGATION. Not only is there no obligation but we also offer FREE WATER DAMAGE INSPECTIONS. Our team is here to help. Once arrived, our technicians will review the damage. After, they will provide you with the best recommendations going forward. If you choose to file a claim, he can also assist you through the claims process. Whether or not you choose to use our team, please read our article on possible further damage to your property and the possibility of mold if you wait or do nothing.

Our trained team can assist you with your homeowners’ policy to determine possible coverage.

Unfortunately, every policy is different. As a result, without knowing the exact details, there is no exact list. The first questions you should ask is:

Is Your Home Insured for Water Damage?

In most cases, most homeowners insurance policies have water damage coverage. This is one of the most common causes of damage in homes. Is your answer yes? Now we can move forward to the next step.

What Type of Water Damage is Covered by Homeowners Insurance?

Again, without knowing the specifics of your homeowners insurance, listing exact coverages is difficult. However, in most cases if the water damage cause is sudden and accidental it is most likely covered by a standard homeowners insurance policy. In other words, something that has not occurred over a period of time, as in “x” amount of months. This will can be covered by a standard homeowners insurance policy.

Furthermore, the source of the water damage is also an important factor.

1. Overflows

  • Tub Overflow
  • Sink Overflow
  • Toilet Overflow
  • Appliance Overflow

Moreover, A standard homeowners’ insurance policy might cover tub or sink overflows. As well as, toilet overflows due to possible contaminants. For instances, a standard policy may cover toilet overflows and often considered category 3 water damage. Category 3 water damage often contains contaminants. Insurance companies may consider removing any materials that came in to contact with this type of water. This can prevent any diseases or spread of contaminants to the residents in the home.

2. Pipe Burst

  • Inside the wall
  • Angle stop (at the edge of the wall)
  • Into the fixture (faucet, toilet, washing machine, dish washer)

Similarly, if a pipe burst inside a wall, you will usually detect water seeping through the walls. Consequently, you might notice standing water in the nearby area. By then, water may have saturated the drywall and surrounding material(s).

3. Supply Line Bursts

  • Washing Machine
  • Refrigerator / Ice Maker
  • Dish Washing Machine

In addition, supply line bursts can cause standing water. As well as, saturate surrounding materials (cabinets, drywall, floors, subfloors, etc.). Likewise, this cause might be covered under a standard policy.

4. Sewer Backups

  • Toilet Overflow
  • Showers or sinks

Not only can supply line and pipe bursts have coverages, sewer backups might have coverage under a standard homeowners’ insurance policy. For instance, sewer backups often consist of dirty water. In addition, this would most often fall into category 3 water damage.

Typical Homeowner’s Insurance Exclusions

Above all, you’ve asked: what type of water damage is covered by homeowners insurance? Therefore, we would like to share with you some common exclusions provided by the balance.

  • Flood
  • Business Equipment
  • Earthquakes
  • Valuable Personal Property
  • Future Assets
  • Damage from War
  • Pollution
  • Nuclear Accident
  • Intentional Damage
  • Normal Wear and Tear
  • Construction Defects
  • Vehicles Parked on Your Property
  • Frozen Pipes
  • Vandalism
  • Tenants’ Property
  • Pets and Other Animals on Your Property


Adding Endorsements

In addition, it may be a good idea to look over your policy! Should you have any questions regarding endorsements it might be best to contact your insurance company directly.


So, what type of water damage is covered by homeowners insurance? In conclusion, t is best to call a professional! Equally important, if you reside within the San Diego area call (619)562-3800. Our team has experience with water damage and homeowners insurance since 1988.