Water damage is one of the most common reasons people file home insurance claims. If water damage happens, follow your insurer's instructions for filing a claim.
Types of leaks and water damage
When and why water damage happens is important to getting your claim approved. There are two main types of water damage:
- Sudden and accidental leaks
- Gradual leaks
Homeowner insurance usually covers sudden leaks, but may not cover gradual leaks.
Sudden and accidental leaks
Examples of accidental leaks include leaking plumbing or a broken washing machine. Your insurance usually covers these if you report them to your insurer quickly and follow their recommendations for fixing the leak. It also usually covers burst pipes, including frozen pipes, if you heat your home properly.
If a storm or accident damages your roof, you’ll need to fix the damage quickly to stop more water from entering your home. Your insurance won't cover water damage if you delay repairs.
Gradual leaks and water damage
Homeowner insurance usually doesn't cover gradual leaks, such as:
- Water leaking from a faucet
- Water damage from a leaking foundation, cracks in walls, or gaps between building materials
Mold coverage
Homeowner insurance usually doesn't cover damage from mold, fungi, rust or rot. Insurers often consider mold and rot your responsibility, unless they come from water damage your insurance covers.
If rot or mold is growing in your home, check your coverage or talk to your agent. Some insurers provide limited mold coverage.
If you don't have mold coverage, you may be able to add it to your homeowner insurance.