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The Cobb Group brokered by eXp Realty
Natalie Burnside, The Cobb Group brokered by eXp RealtyPhone: (843) 295-1178
Email: [email protected]

Does home insurance cover water damage? What every homeowner should know

by Natalie Burnside 05/05/2024

Homeowners often wonder, “Does home insurance cover water damage?” Water damage comes in many forms and from many sources, but your standard homeowners insurance policy may not provide coverage for every type.

To help you better understand the limits of your homeowners insurance, here is a basic guide to the types of water damage your policy won’t cover:

Water damage from unresolved maintenance

Making sure your home appliances and systems are in good working condition is critical for insurance as well as their functionality. Your home insurance can help you pay to repair damages caused by the sudden failure of an appliance, but won’t cover you if the failure happened because of unresolved maintenance problems.

For example, if your floors are damaged because your dishwasher has been leaking for months, you wouldn’t be eligible for coverage.

Water damage from a flood

Floods can be catastrophic and happen for a variety of reasons. Storms, overflowing bodies of water and over-saturated ground can all lead to flooding and property damage. Unfortunately, regardless of why the flood happens, the damage will not be covered by your homeowners insurance.

You can purchase separate flood insurance from the National Flood Insurance Program to protect you in case of flood damage. Mortgage lenders often require proof of flood insurance when you’re purchasing a home in certain regions where flooding is prevalent.

Water damage from a sewer or drain backup

Most homeowners policies typically don’t include coverage for water damage caused by a sewer or drain backup. An outside water source backing up might cause serious damage to your floors or foundation, but you’ll likely need to purchase additional coverage to help with the repairs.

Home insurance can help you pay for many kinds of repairs to your home. However, it’s important to remember these types of water damage that require additional insurance policies.

About the Author
Author

Natalie Burnside

Originally from the midwest, Natalie and her husband Brian spent many years following his career but knew they were forever home when they made it to the Lowcountry. During vacations on Kiawah Island, they would dream of retiring to the South Carolina coast. When an opportunity presented itself to move to Bluffton much earlier than they envisioned, it was a “no brainer” and has proven to be one of their family’s best decisions. The two things Natalie loves most about the area are the community’s welcoming attitude and the always changing, but consistently breathtaking, views from the Lowcountry bridges. “It seems that everyone you meet in Bluffton and Hilton Head loves their community and genuinely wants you to fall in love with it, too…whether it’s for a week of vacation or to plant your own long-time roots.”