What Water Damage Is Not Covered by Insurance?

Insurance typically covers sudden, accidental water damage, like a burst pipe or an overflowing washing machine. But gradual problems, such as a leaky roof that damages your attic over months, are often excluded. The reasoning is that you should have noticed and fixed the issue early.

Similarly, damage from groundwater seepage through your foundation or a backed-up sewer is usually not covered by standard policies. You might need a separate rider for sewer backup. Always read your policy's fine print to see what specific events are listed as excluded.

• Slow leaks from plumbing fixtures
• Seepage through foundation walls or floors
• Wear and tear on roofing materials
• Damage from lack of maintenance
• Flooding from rising water outside
• Mold growth from an old leak

Damage that results from a lack of upkeep is typically not covered. For example, if a pipe corrodes over years because you never replaced it, your claim may be denied. The same applies to a roof that leaks because shingles have worn out over time.

Insurance expects you to maintain your home. If a small problem could have been fixed easily, but you ignored it, the resulting damage is considered preventable. Document any repairs you do make, as this can help if you need to file a claim for a separate, sudden event later.

If you discover water damage, act quickly to prevent further issues. Turn off the water source if possible, and move valuable items away from the wet area. Document the damage with photos and notes before any cleanup begins.

For sudden, covered damage, you may want to contact the pros for a water damage inspection and assessment. They can help you understand the extent of the problem and what repairs are needed. You can also ask about water damage documentation to support your claim.

• Turn off the main water shutoff valve
• Take photos of the damage before moving anything
• Keep receipts for any temporary repairs
• Call your insurance company to report the loss