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 Provide a response to the inquiry, Does homeowner's insurance cover water damage?

According to the Insurance Information Institute, water damage is the third most expensive type of house insurance claim and accounts for over 20% of home insurance property damage claims.

According to the most recent data from the Insurance Information Institute, the average insurance claim for water or frost damage is $10,234.

Certain types of water damage are covered by home insurance.

Typically, water damage is covered by home insurance.

Burst pipes behind a wall or beneath a sink, or a pipe leading to your washing machine. This includes frozen and burst pipes, but not if you purposely turned off the heat in your home.

A water leak caused by an equipment, such as a water heater or dishwasher. Typically, however, the repair of the broken item itself is not covered.

Storm-produced precipitation, such as heavy rain and hail, is a source of water.


After a storm or falling tree causes damage to a roof, water damage can occur through the roof. However, the situation changes if there is an issue with maintenance. A gradual roof leak that was not repaired, for instance, is probably not covered.

Water damage after a fire caused by the water used to douse the flames.

Typically, water damage is not covered by home insurance.


Floods and tsunamis. FEMA defines a flood as "a general and temporary condition in which two or more acres of typically dry ground or two or more properties are flooded with water or mudflow." Tsunamis begin as underwater waves, which are frequently triggered by earthquakes, then develop in height as they approach the coast. You can purchase flood insurance separately.


Water damage caused by a lack of upkeep, such as an aging roof.


External water that backs up through a sewer, storm drain, or other pipe. However, "Limited Water Backup and Sump Discharge or Overflow Coverage" can be purchased.


Infiltration of water through a foundation.

For instance, the following language from a State Farm homeowners policy describes the types of water damage for which State Farm will not pay:


a flood; surface water This does not include water from a swimming pool, faucet, sprinkler system, hose, or hydrant;

(3) waves (including tides, tsunamis, and earthquakes);


(4) tidal water or tides;


(5) overflow of any body of water (including any release, escape, or rising of any body of water, or any water held, contained, controlled, or redirected by a dam, levee, dike, or any other kind of water containment, diversion, or flood control system);


(6) spray or surge from any of the above-described things (1) through (5), whether or not pushed by wind;


(7) water or sewage from outside the residential plumbing system that enters through sewers or drains, or water or sewage that enters and overflows from within a sump pump, sump pump well, or any other device designed to remove sub-surface water drained from the foundation area;


(8) subsurface water or sewage, including water or sewage that exerts pressure on or seeps or leaks through a building structure, sidewalk, driveway, swimming pool, or other structure;


(9) seepage or leaking of water, steam, or sewage that develops or occurs over time:


(a) which is:


I continuous;


(ii) repeated;


(iii) gradual;


(iv) intermittent;


(v) slow; or


(vi) trickling; and


(b) after a:


I heating, air conditioning, or an automatic sprinkler system for fire protection;


(ii) a domestic appliance; or

(iii) plumbing system, including from, within, or around any shower stall, shower bath, tub installation, or other plumbing fixture, as well as their walls, ceilings, and floors.

Making a claim for water damage insurance

If water damage is covered by your homeowner's insurance, the insurance check will be reduced by your deductible. The deductible amount is displayed on the declarations page of your insurance policy.


A claim for water damage may result in a premium rise upon policy renewal. When claims suggest that a client has a greater level of risk, insurers frequently increase premiums.

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