Water Damage

Water Damage Claims

Water damage is one of the most common reasons for filing an insurance claim with your carrier. While coverage typically excludes perils like flooding or sewage backup, a homeowners policy should cover other sudden or internal perils like a burst pipe.


Your dwelling coverage protects against structural damage if it was inside the property. Other weather-related perils causing damage can also be covered under your policy.

What to do if your property sustains Water damage:

  • Indicate any urgent repairs needed at your property. Water can leave your home susceptible to further damage if not properly dealt with. Be sure to document any expenses incurred from temporary repairs.
  • Take photographs of any damage in its original state. This information is helpful toward filing a successful claim.
  • Consider hiring a public adjuster or damage assessment expert to assess the conditions of the damage. The insurer will likely send out their own adjuster, but it can be helpful to have an independent appraisal.
  • Be aware that this type of damage can lead to subsequent damages in the form of weakened doors, walls, windows, appliances, and other structural issues.

My House Has Suffered Water Damage, Am I Covered?

Unfortunately, many people are under the mistaken belief that their homeowner’s policy will cover water damage, but that is not the case. Any type of ground or surface water is almost always excluded (you’ll need flood insurance for that). Which means in most cases water damage as a result of flooding from ponds, rivers, bays, oceans, rain, storms, hurricanes and the like are not covered. Some water damage from appliances or frozen pipes may be covered. However, even those claims are not without their exclusions.