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Your Insurance and Water Damage

When your home is flooded with water you can have one small solace in an otherwise horrific situation, your insurance will cover the water damage. But, it is necessary for you to know specifically what will your homeowner’s insurance cover.

Type of Damage Covered

Most homeowner’s insurance policies cover about 16 different types of water damage. This includes accidental water discharges, leaks, overflow of pipes, air-conditioning leaks and other types of water leaks. But these policies do not cover the damage if it is the result of natural flooding.

If there is risk of natural flooding in your area, you should get a flood insurance policy.Areas that are near natural bodies of water, like lakes, rivers, and oceans necessitateflood insurance. And in such areas, the cost of flood insurance will be higher. Locations that are far away from natural bodies of water are at a considerably lower risk of natural floods; therefore, flood insurance is not required there.

Damage Covered

In some cases, the flood itself may not be covered in your homeowner’s insurance, but the damage that is caused because of the water’s presence may still be covered. Your property and possessions still fall under the protection of the policy. And if they get damaged or stolen after you have evacuated, you will be reimbursed for them.


You have to take extra care when making insurance claims for water damage. If you have made a couple of small water damage claims in the past, your insurance company may be reluctant to renew your homeowner’s insurance policy.


When water damage occurs in your home, make sure you take lots of pictures for your insurance adjuster. You will need to prove that the water damage was caused because of a fault in the original construction or some below standard repair work. This line of reasoning may help you get a claim processed faster, but nothing is guaranteed.

You should hire a professional water damage restoration service to deal with water damage. They will provide you a professional assessment of the situation, which will be helpful in dealing with the insurance company. Companies like ours can also help you deal with your insurance adjuster to make sure that your claim is processed smoothly.