Almost every homeowner experiences a water leak of some fashion throughout their years. From damaged pipes, cracked valves, faulty appliances, broken water heater, all have potential to create a situation disaster in your home. It’s important to know what is and isn’t covered by your insurance company so you know just what to expect in the event of water damage. Be sure to read the details of your policy and ask your insurance agent if you have any questions regarding your water damage insurance.

Most sudden, abrupt water issues are covered by the insurance companies. These include broken pipes, new carpet or flooring and furniture. However the scenarios of each situation may result in a change in the outcome of your insurance’s response. If a homeowner fails to maintain equipment, they might be liable for part of the damages caused. If a homeowner fails to maintain their roof and experience water damage, they may have their personal belongings covered, but not repairing the roof since this is considered a house-maintenance issue. Another potential cause of water damage is sewer backups. These are generally not covered under standard home insurance policies.

It’s also important to mention home insurance for water damage is separate from flood insurance. If a lake or river overflows causing a flash flood, you are not covered under your normal home insurance policy. Flood insurance is a separate policy that must be obtained to be covered under these events.