Article
What types of water damage does insurance cover?
March 6, 2025
02:45 PM
Homeowners often face situations where water damage causes serious harm to their property, but the insurance company denies their claim. To avoid unexpected expenses, it's important to understand what situations are covered and in which cases a claim might be denied.
When does insurance cover water damage?
Insurance typically covers sudden and accidental incidents, such as:
A pipe bursts unexpectedly.
A household appliance malfunctions, causing flooding.
A sewer backup results in water damage.
Every insurance provider has specific terms, so it's essential to review your policy details in advance!
Every insurance provider has specific terms, so it's essential to review your policy details in advance!
When can a claim be denied?
Some types of water damage require additional coverage or are not included in standard homeowners' policies. For example:
Flooding from external sources — heavy rain, river overflows, or rising groundwater usually require a separate flood insurance policy.
Wear and tear — if the insurer determines that poor maintenance or aging pipes caused the issue, the claim may be denied.
Mold and mildew — unless directly caused by a sudden water incident, these are often excluded from standard coverage.
To avoid unexpected costs, review your policy in advance and consider additional insurance coverage if your home is at risk of water damage.
To avoid unexpected costs, review your policy in advance and consider additional insurance coverage if your home is at risk of water damage.
Full-Why Choose Otter Water?
We provide you with a comprehensive assessment of water damages and other repair services in San Diego area.
1
Fast Response time
Water damage can escalate rapidly. Our dedicated team is on call 24/7 to tackle emergencies as soon as they arise, minimizing the impact on your home or business.
2
Thorough Assessment
We go beyond surface-level fixes by conducting detailed inspections. Our specialists identify the source of the issue and develop a tailored plan to address it, preventing future problems.
3
Skilled Restoration
With advanced equipment and experienced technicians, we handle everything from water extraction to structural repairs. Count on us to restore your property to its pre-damage condition—quickly and safely.
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