Homeowners insurance typically covers certain types of water damage caused by sudden and accidental events. These may include:

• Burst Pipes:
  If a pipe suddenly bursts due to freezing, corrosion, or accidental damage, causing water damage to your home's structure or belongings, your homeowners insurance policy will likely cover the resulting repairs and replacements.
• Plumbing Issues:
  Sudden and unforeseen plumbing issues, such as a malfunctioning washing machine hose or a broken water heater that lead to water damage are generally covered. However, damages caused by long-term leaks or lack of maintenance may not be covered.
• Storm-related Damage:
  Homeowners insurance often covers water damage caused by severe weather events like hailstorms, hurricanes, or heavy rainstorms. This may include roof leaks, flooding, or water seepage.

While homeowners insurance provides coverage for certain types of water damage, there are instances where it may not apply, including:

• Flood Damage:
  Standard homeowners insurance policies typically do not cover flood damage. To protect your property against floods, you need to purchase a separate flood insurance policy.
• Gradual Damage:
  Insurance policies are designed to cover sudden and accidental events. Gradual damage from long-term leaks, poor maintenance, or negligence is generally not covered. It's important to promptly address any signs of water damage to prevent further issues.
• Sewer Backup:
  Unless specifically added as an endorsement, homeowners insurance often excludes coverage for sewer backup or water damage caused by sewer line issues. However, you can usually purchase additional coverage for this type of damage.