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Some Home Insurance Policies will cover resulting water damage from an accidental water discharge and some will not. You have to read your policy and see if you have coverage for water damage. You will also need to call a plumber for a service call first though.
Basically you are looking for language in your policy that includes, "Accidental Water discharge". If you have it, then you are covered for resulting losses but the cause of the damage may not be covered. It just depends on what caused the damage.
The company will generally require you repair the leak ( a maintenance issue ) before they will will pay to repair the resulting damage. There's just no point in repairing damage that will certainly happen again if the homeowner is not interested in fixing the leak.
Not all policies are the same. You just need to contact your Insurance company or agent, describe the incident that led to the loss and ask if you have the coverage.
Wiki User
∙ 12y ago
Wiki User
∙ 15y agoProbably not, but call your carrier to find out for sure.
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No. Your homeowners policy does not cover appliance maintenance issues or degradation due to normal wear and tear
Will homeowners insurance cover water damage to an electrical panel?
Depending on the source of the water, typically yes.
Does homeowners insurance cover a water leak from a well to the house. It is outside.?
No, it is just for the house and contents.
Does homeowner insurance cover the homeowner?
If i go out of town and live the water running from the sink would mu homeowners cover the claim
Will AAA homeowners insurance policy cover overflow of water from sink?
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
Does homeowners cover water damage from a leaky roof?
In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.
Does homeowners insurance cover replacement of faulty gutters that cause water to go into basement?
No, if the gutters were not installed correctly.
Does Homeowners insurance cover water damage from sprinklers soaking through walls?
As long as the water entered above the ground surface level.
Does homeowners insurance cover damage done by foundation failure?
No, but if the failure causes a fire or water damage, then the water and fire damage will be covered.
Does Florida Homeowners Insurance without extra flood insurance cover water damage if the roof is torn off from a storm and water comes from the sky?
Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers resulting water damage from a wind damaged roof.
Should homeowners insurance cover water damage that was caused before you moved in?
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
Does homeowners insurance cover water damage from leaky windowas?
Not usually. Usually water damage has to be from a sudden burst of plumbing or flood or some sort. Any negligence in homeowning is a touchy subject for insurance.
