In last week’s blog we discussed what types of water leaks are not typically covered by insurance policies. As one of the most costly and common insurance claims, repairs for water damage on average cost about $10,900. 

An article in Forbes Advisor reveals, “What Type of Water Damage is Covered by Homeowners Insurance?”

Generally, water damage that is considered “sudden and accidental” is covered (like a burst pipe) but not gradual damage, like a leaking bathroom sink. And flooding is not covered, such as flood from storm surge during a hurricane.

Water damage covered by homeowners insurance typically includes:

Burst pipes. This can include a frozen pipe that bursts. If you intentionally turned off heat in your house (for example, when going on vacation), the burst pipe claim could be denied.

Accidental leaks, such as leaking plumbing or an appliance leak, like a broken washing machine or dishwasher.

Water damage after a fire from water used to extinguish the flames, such as water from a sprinkler system or a hose from the fire department.

Water damage from a roof leak such as damage from a storm or a tree that falls on your roof. Keep in mind, if an accident (like a fallen tree) damages your roof, you’ll be required to fix the damage in a reasonable amount of time. Failure to do so could result in further water damage that won’t be covered.

Water damage from storms such as heavy rain or hail.

How Can I Protect My Home From Water Damage?

One of the best ways to protect a home from water damage is by taking some preventative measures. Keeping up with routine maintenance and making prompt repairs is key. Remember, homeowners insurance covers water damage that is “sudden and accidental” but not gradual problems or maintenance issues. If you have a problem like a leaky faucet, it’s best to take care of it as soon as possible.

Here are other steps you can take:

Drain water heaters twice a year to help prevent sediment buildup.

Install smart water leak detectors that will send an alert to your phone or email. (Some detectors can automatically shut off the water to prevent damage). In a LexisNexis study of 2,306 U.S. homes that installed a Flo by Moen water leak detector, water-related claims went down by 96% compared to the two years prior to installation.

Inspect hoses going to and from washing machines, dishwashers, water heaters and refrigerators. Repair or replace any damaged hoses if necessary.