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Does insurance cover water damage?

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2007-07-23 10:56:04
2007-07-23 10:56:04

That depends on the individual contract. Insurance products differ.

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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.


Yes, most homeowners insurance will cover this type of damage. You need to read your specific policy for exclusions for water damage.


No, but if the failure causes a fire or water damage, then the water and fire damage will be covered.


The coverage for water damage varies from policy to policy, and almost always there are exceptions or exclusions. For example, many homeowner's insurance policies will cover sudden water damage, but will not cover damage from a slow, long-term leak. And water damage from a flood would be covered under a separate flood insurance policy, and not under your homeowner's insurance. It is a good idea to review your policy and consult with your insurance agent to make sure that you won't have any unpleasant surprises where you thought it would be covered but it isn't.


As long as you have collision yes insurance will cover the damage that was done.


Depending on the source of the water, typically yes.


Insurance will cover whatever damage to your vehicle as long as you have comprehensive insurance. As long as you have a HO-3 insurance, it will cover the replacement cost to your house if you take wind or hail damage as well.


Homeowner's insurance is a very important essential if someone owns a home. This insurance does not cover non-flood damage for water in the basement, though. It only covers flood damage or loss of valuables. http://wiki.answers.com/Q/What_does_homeowners_insurance_cover


No, they will not cover it. However, if a gust of wind knocks it down, then they will cover the fence. Insurance does not cover damage caused by insects.


The insurance company will cover the damage caused by the water only, e.g., drying out the ceiling and floor covering. They will then pay to repair the room; damaged walls and floors. If the skylight leaked due to hail damage or other falling objects, the insurance will pay to replace the skylight.


There are many companies covering water damage of houses and their contents. Some of these companies include Clean Team Corp, SERVPRO, Liberty Mutual, and some other private insurance companies. It can depend on the severity of the damage and the amount of insurance a person has though. A company will cover the water damage of houses and their contents in full if the owners have the insurance to do so and meet all requirements.



"Flood Insurance" will cover damage resulting from a Flood. Homeowners Insurance will not.


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.


No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.


No, Flood insurance will not cover your Automobile. Your Comprehensive Auto Insurance will cover flood damage to your Car.


AnswerOnly when that home Insurance Policy has A Flood Insurance Policy Form. Flood Insurance is required before it will pay for Flood related damage.


yes. insurance if for lost/stolen and physical or water damage...


NO, Homeowners insurance does not cover automobiles.


No. Insurance does not cover mechanical problems.


No. Because it was a failure on your part to maintain the home. They are more likely to cover water damage caused by weather conditions beyond your control.


This will vary depending on how your policy is written. Some policies will only cover pipes bursting, while others will only cover catastrophic water damage (flooding due to abnormal circumstances). You need to call your insurance agent to find out.



water damage is only covered through full coverage if you have it and just so happens to run in a pond or something.


It depends on the peril, the policy form, exclusions etc. You need to turn in your claim to get this answer. If the peril/loss is covered it should also cover (barring any exclusion to the contrary), damage that resulted from the water damage.



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