Not all water damage is created equally, and there are instances when it will not be covered by homeowners insurance. What type of water damage is not covered by homeowners insurance? Water from putting out a fire: Damage caused by a sprinkler system or hose is covered.Storms: Damage caused by rain or hail is covered by homeowners insurance.Leaking roof: If water damage from a storm causes a leaking roof, it will be covered by homeowners insurance as long as you address the damage in a reasonable amount of time.Ice: Built-up ice that wasn’t caused by negligence is covered by homeowners insurance.Burst pipes: Water damage caused by a broken pipe will only be covered if it isn’t due to negligence.Accidental leaks: Accidental water damage caused by plumbing or appliances such as a dishwasher are covered.Unforeseen water damage or water damage that happened suddenly is usually covered. What type of water damage is covered by homeowners insurance? Learn more about when water damage is covered by homeowners insurance and what you can do to make sure your house and your finances are protected. Water damage that happened accidentally is covered, but water damage that happened over time or due to neglect isn’t. However, there are caveats that depend on the cause of the damage. Granted, homeowners insurance usually covers water damage. About one in 50 homes, according to the Insurance Information Institute (III), has a claim caused by water damage or freezing each year – with the average claim about $11,000, according to the most recent information from the III. Water damage, such as a burst pipe that destroys a wall or a broken water heater that floods a basement, is one of the most common reasons people file home insurance claims. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. All of our content is written and reviewed by industry professionals and insurance experts. At, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family.
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