Causes of Water Damage in Insurance: What's Covered?

2/12/2021 (Permalink)

If water damage is sudden and accidental, there's a good chance you are covered by most standard home insurance policies.²

Depending on the type of insurance policy you have, you might have coverage for damage caused by water. Some basic water damage coverage is included in a standard home policy like an HO-3; other sources of damage might not be covered unless you add an endorsement to your policy.³ It really depends on the type of home, condo insurance or renters insurance you have. Your standard homeowner policy will include:

• Damages caused by the weight of ice, snow or sleet. This can cause roof collapse or water damage, among other problems.
• Discharge and overflow of water, even if it is an accident.
• Tearing apart, cracking, burning or bulging of a steam or hot water heating system. 
• Freezing of plumbing and pipes.

Some policies may contain exclusions for coverage of freezing of pipes if you left your home unheated during the heating season or if you did not shut off the water when you went away.² These types of clauses are specific to various insurance companies so just be sure and ask before you plan to be away from your home for any length of time.

https://www.thebalance.com/sewer-backup-overflow-water-damage-4103166

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