home insurance

Is Insurance Needed for Water Damage in Your Home?

Waking up to a flood in your home’s basement due to a plumbing problem is never pleasant. One of the first questions that can come to your mind is whether your home insurance covers water damage. It can be confusing for regular homeowners in figuring out what constitutes water damage and what doesn’t according to your policy.


Tailor Made Insurance is a family-owned and independent insurance broker, who has been providing various forms of insurance for over 25 years. Our team is flexible enough to provide personalized solutions for residents and businesses alike. Our services are classified under:


In this blog post, we explain how water damage will be covered under home insurance.


What Is Water Damage?

It describes losses caused by intruding water that may lead to the destruction of properties due to rusting, rotting of wood and de-laminating of materials like plywood. Coverage for water damage does not come under home insurance if the cause is due to lack of maintenance or neglect.


When is Water Damage Covered Under Home Insurance?

Standard home insurance policies cover for water damage if the cause is determined to be sudden and internal. Certain perils that are weather-related may also be covered. The situations where you are covered by the policy are:

  • Rain or snowstorm
  • Frozen plumbing, burst pipes, faulty plumbing or accidental overflow
  • Water damage caused by extinguishing a fire
  • A leaking roof
  • An accidental overflow of a fixture or appliance
  • Mould
  • Vandalism


When Water Damage Isn’t Covered Under Home Insurance?

Water damage won’t be covered if it wasn’t caused by an accident or by a sudden and unexpected occurrence. If the cause is a lack of maintenance or neglect, then you would need to personally pay for the repairs. The situations where you won’t be covered by water damage are:

  • Poorly-maintained pipes that lead to leaks
  • Water or sewer pipe backups
  • Ground seepage
  • Flooding


Floods are also not covered under standard policies. You will have to purchase additional flood insurance, especially if your home is in a high-risk area.


How to File a Claim After Water Damage

Once you can identify whether the type of water damage affecting your home is covered by home insurance, it’s important for you to contact your insurance company. Take pictures of the affected area and everything that has been damaged. Also take pictures of the source of the water, such as a hole in the roof or a burst pipe. If there are pictures from before the incident, show them to the company. It will support your claim that the water damage was not due to negligence.


Your insurer will ask questions that will help them decide if the damages are covered by the policy. It should also be determined whether the damages exceed your deductible. An adjuster will be later dispatched to check the damages.


Once you have agreed on a reasonable settlement for the repair cost, the insurer will send an advance of half of the coverage amount for beginning repairs. The rest will be sent upon completion.


Let Tailor Made Insurance Help

We understand that you want the best for you and your family. Our staff is focused on providing you with customized solutions that will suit your specific needs.


For information on bundling your home, auto and business insurance, read our blog post - BENEFITS OF BUNDLING YOUR HOME, AUTO, AND BUSINESS INSURANCE.


Call us to learn more about our services.