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Water damage covered by homeowners insurance typically includes Repair or replacement of the actual source of the water damage. Accidental leaks, such as leaking plumbing or an appliance leak, like a broken washing machine or dishwasher.
Homeowners insurance won’t cover water damage due to poor maintenance For example, your homeowners insurance will likely not cover water damage that is the result of a faulty sink that has been leaking for several months However, water damage from faulty plumbing or ruptured pipes is usually covered.
Does homeowners insurance cover water damage from leaking pipes
Your home insurance policy should cover any sudden and accidental water damage from a plumbing failure, such as a burst pipe or ruptured water heater. Most standard homeowners policies help cover water damage if the cause is sudden and accidental, but there may be situations that your policy does not cover From burst pipes to leaking plumbing, learn what homeowners insurance may and may not help cover. Standard homeowners insurance typically will not cover water damage that occurs gradually over an extended period of time, whether that damage is visible or hidden
For example, if you have a slow leak under your kitchen sink that goes undetected for weeks or months, this is unlikely to be covered by your homeowners insurance. Homeowners insurance usually covers sudden and accidental water damage, like burst pipes or a leaky roof But other types of water damage caused by floods, neglect, or wear and tear are excluded.
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