Types of Water Damage that Homeowners Insurance Covers

An overflowing sink and tub in a tile bathroom
  • Beginner

Insurance only covers some types of water damage. As a homeowner, it is important to understand how homeowners insurance works and what your policy covers. Here are a few types of water damage that house insurance usually covers.

Frozen Pipes

During the winter, frozen pipes are a serious problem for many homeowners. When a pipe freezes and bursts, water can potentially spread throughout your home and cause a lot of damage. Homeowners' insurance should cover this occurrence. They will pay to have the water damage cleaned and repaired.


Sometimes, a homeowner will make a mistake and cause something to overflow. For example, you might accidentally leave the sink running in order to do the dishes. Water could overflow the sink and damage your floor. If you have laminate flooring, such damage might require you to replace the flooring. Most of the time, your insurance will cover this damage for you. If this becomes a frequent occurrence, they may disallow it.

Sewer Water

Many homes experience damage as a result of sewer water entering the house. You might have a clogged sewer line and not know it. When that happens, sewer water can come back through the lines and flood your house. It can be a very messy and expensive situation to clean up; however, your insurance company should cover this damage for you. A notable exception to this rule is if a tree root grows through a pipe outside of the house.

Appliance Water Lines

Another problem that many homeowners experience is when a water line behind an appliance breaks. For example, the water line to the ice maker in your refrigerator or to the washing machine might break. Refrigerator water lines are notorious for developing very tiny holes that allow large amounts of water to leak. When that happens, your insurance will most likely pay for the damage.

Storm Damage

If a bad storm comes through, it could potentially damage your roof. When that happens, damaged roofing will allow water to infiltrate and cause damages in the rooms below it. When the rain comes through the roof, it can cause significant damage to your home. It will most likely damage the ceiling and it could drip inside the walls. Once it reaches the floor, it will also damage the floors. Storm damage is another situation that is covered by most homeowners' insurance policies.


Homeowners have also been known to cause large spills in their homes. For example, if you spill a fish tank or large bucket of water on your floor, it could cause damage. The insurance company will cover most such accidents.