Does home insurance cover water damage restoration cost?

Does my home insurance really cover my water damage costs?

Water damage can be a serious problem for homeowners, and the cost of restoration can quickly add up. One question many homeowners have is whether their home insurance will cover the cost of water damage restoration.

Most Standard Homeowner’s Insurance Policies Will Cover Water Damage

The answer to this question is not always straightforward, as it depends on the specific circumstances of the water damage and the insurance policy in question. Generally, most standard homeowner’s insurance policies will cover water damage caused by sudden and accidental events, such as burst pipes or overflowing appliances. This coverage typically includes the cost of water damage restoration.

The Exceptions

However, there are some exceptions to this coverage. For example, if the water damage is caused by flooding, most standard homeowner’s insurance policies will not cover the cost of restoration. Homeowners may need to purchase separate flood insurance to cover this type of damage.

It’s also important to note that insurance policies may have limits on the amount of coverage provided for water damage restoration. Homeowners may need to pay a deductible before their insurance coverage kicks in, and some policies may have limits on the total amount that will be covered.

Determining If You Are Covered

To determine whether water damage restoration costs are covered under their insurance policy, homeowners should review their policy and speak with their insurance provider. It’s important to understand the specific terms and conditions of the policy and to make sure that the appropriate coverage is in place to protect against water damage and the associated restoration costs.

Don’t Wait

Don’t wait until it’s too late to find out if you’re covered by insurance for water damage. Review your policy now to make sure you have the coverage you need in case of a water-related disaster.

Start by reviewing your policy documents and contacting your insurance provider if you have any questions or concerns. Make sure you understand the terms of your coverage, including any deductibles, limits, and exclusions. Some policies may not cover certain types of water damage, such as flooding, so it’s important to know what kind of coverage you have.

Have Sufficient Coverage

If you don’t have sufficient coverage for water damage, consider upgrading your policy or purchasing additional coverage. Flood insurance, for example, is often sold separately from standard homeowners’ insurance policies and can provide coverage for water damage caused by flooding or other natural disasters.

In addition to reviewing your policy, take steps to prevent water damage in the first place. Regularly inspect your home for leaks, cracks, or other potential sources of water damage. Address any issues promptly to prevent more serious problems from developing.

Finally, if you do experience water damage, act quickly to mitigate the damage and contact a professional restoration company to assist with cleanup and restoration. The longer you wait to address water damage, the more extensive and costly the damage can become.


In summary, whether or not home insurance covers water damage restoration costs depends on the specific policy and the circumstances of the water damage. Homeowners should review their policy regularly and speak with their insurance provider to ensure that they have appropriate coverage in place.

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About the author

Hi there, I’m Adam.

I’m owner of Benchmark Restoration & Cleaning and working in Vancouver Washington. When I’m not restoring homes, I’m out exploring the National Parks with family.

Benchmark Restoration & Cleaning

11419 NE 126th St, Suite #116 Vancouver Washington 98662

Phone: 360-696-4140

Email: [email protected]

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