Frequently asked questions

This largely depends on the source and timing of the leak. Typically, homeowners insurance covers water damage from sudden incidents, like a burst pipe or appliance overflow. However, it doesn’t cover gradual damage due to wear and tear or lack of maintenance. For instance, if your roof leaks because it’s old, the repair costs won’t be covered. In contrast, if a tree falls on your roof during a storm, causing leaks, your insurance would likely cover the resulting damage. To know for sure if your insurance will cover a water damage claim, review your specific policy. It’s wise to understand your coverage beforehand and reach out to your insurance agent with any questions.