![]() ![]() Negligence: Your policy won’t cover water damage resulting from negligence on the homeowner’s part. Here are some causes of water damage that most standard homeowners insurance policies don’t cover:įlooding: “Nearly all standard homeowners insurance policies exclude coverage for floods,” says Angel Conlin, chief insurance officer at Kin Insurance, “which insurance companies consider to be water damage that starts outside your home.” Many insurance companies offer separate flood insurance policies that can protect you if you experience water damage from flooding. Some damages require purchasing additional coverage, like flood insurance. Homeowners insurance doesn’t cover all water damage, especially if it could’ve been prevented through proper maintenance. What types of water damage does homeowners insurance not cover? See Also: How Much Does Flood Insurance Cost? Ĭheck with your insurance company to determine what water damage your homeowners insurance policy covers. Sewer and drain backups : Some policies cover sewer and drain backups. Rainstorms: Homeowners insurance typically covers water damage that comes from the top down, like sudden rainstorms.įire extinguisher/hose damage: If you experience a fire in your home, you’re protected against any water damage from fire extinguishers and fire hoses. These blockages can often lead to water damage to ceilings, walls, and insulation. ![]() ![]() Ice dams: Ice dams can form on your roof during the winter, preventing melting snow from draining properly. Here are some typical causes of water damage covered under homeowners policies:īurst pipes : Your home’s pipes can develop an ice blockage during cold winter weather, eventually causing them to burst.Īppliances: Standard policies cover water damage from appliance overflows, like a dishwasher. A peril is an event that can damage your home or property. ![]()
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