The aftermath of water damage can be overwhelming, both emotionally and financially. One of the initial thoughts that may cross a property owner’s mind is, “does insurance cover water damage restoration?” The answer, while generally affirmative, comes with its share of nuances and conditions. Let’s navigate through these intricacies to equip homeowners with the knowledge they need.

Types of Water Damage and Insurance Coverage

Internal Water Damage

insurance cover water damage

Internal water damage typically stems from issues within the home itself, such as a burst pipe or a malfunctioning appliance. If your washing machine breaks down and floods your basement, or if your toilet overflows, these instances are generally covered by standard homeowner’s insurance policies. The key factor for coverage is that the damage should be sudden and accidental, and not due to negligence or lack of maintenance on your part.

External Water Damage

On the other hand, external water damage like flooding from storms or hurricanes is usually not covered by a standard homeowner’s insurance policy. In such cases, you might need specialized flood insurance. Be sure to consult your policy or talk to your insurance agent for accurate information.

When Doesn’t Insurance Cover Water Damage Restoration?

Groundwater and Grading Issues

Groundwater damage can be tricky. If your property’s landscaping is graded towards your home, any water damage resulting from groundwater usually won’t be covered by your standard policy. Therefore, it’s crucial to ensure that your landscaping is graded away from your house to avoid such complications.

Negligence and Preventable Damage

If the water damage can be attributed to your negligence, then the insurance carrier is less likely to cover the restoration costs. For example, if a pipe bursts because you failed to insulate it properly during winter, you might find yourself bearing the financial burden of the damages.

Crucial Points to Consider for Your Coverage

Review Your Policy

The first step you should take is to thoroughly review your insurance policy. Policies may vary in their specifics, so it’s essential to know what is and isn’t covered.

Consult Your Insurance Agent

If you’re unsure about your coverage, consulting your insurance agent can provide clarity. They can guide you on the types of water damage covered by your policy and even suggest additional riders or endorsements that can extend your coverage.

Keep Records

Whenever you are hit with water damage, keep thorough records. Photos, videos, and other documentation can help streamline the claims process and serve as proof of the damage incurred.

Preventative Measures

Preventing water damage is just as important as knowing whether your insurance covers water damage restoration. Here are some steps to consider:

  • Regularly inspect and maintain your plumbing system.
  • Ensure your landscaping is graded away from your home to prevent groundwater issues.
  • Install water leak detectors that can alert you in case of a leak.
  • Insulate exposed pipes during winter to prevent freezing and bursting.


insurance cover water damage

Water damage restoration is generally covered by your insurance policy, provided the source of the damage is not preventable and not due to negligence. Internal issues like accidental overflow of appliances are usually covered, while external issues such as flooding may require specialized policies.For any further queries, always consult your insurance agent for the most accurate and personalized advice. Contact Service Restoration today to learn more about whether insurance covers water damage restoration.