Does state farm cover water damage?

Answer 1

State Farm is very likely to cover water damage, and the repair of a leak to stop water damage that has already occurred in your home. They may or may not cover slab leaks that have not caused damage to your home or belongings. They will almost certainly cover the cost of a pipe that leaks upstairs and causes massive amounts of damage through the ceiling and downstairs. Only a claims adjuster can tell you for certain whether any given circumstances will be covered. Different policies are, well, different, so they may cover yours, but they very well may not. We blog on this subject some. Please contribute to it to help us create a comprehensive database of insurance company slab leak experiences.

yes but it depends on your coverage plan

Answer 2

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.