Does Homeowners Insurance Cover Water Damage?

Whether it was the result of a faulty appliance, a leaking roof, a burst pipe, or flooding from a natural water source, few things are as stress-inducing for homeowners as dealing with water damage. If your property has been struck by water damage, you probably have found yourself asking the following question. Does homeowners insurance cover water damage?
The answer to this question is a reasonably straightforward one though it depends on the specific circumstances that led to the water damage at your home. Most standard homeowners insurance policies will cover the costs that go along with water damage but it depends on the source.

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Brennan Turley
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We recently had a busted pipe in our bathroom while at work, and we had major water damage. Servicemaster was there within a couple hours or our problem to start the process of drying out the house. Derek and his crew were very friendly and helpful in explaining and walking us thru the whole process from beginning to end. If we ever have another emergency like this Servicemaster will be the only people we call!
UK Parent
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My insurance agent gave me a list of numbers and Service Master respond to my call within a couple of hours and had someone at my house started on my flooded basement by midmorning. Everyone I spoke with throughout the process was professional and knew what they were doing.
Lauren Nielson
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Highly recommend this company! Tuesday afternoon, I came home on my lunch break and stepped into ankle deep water thanks to our water heater busting. We have a one story house on a slab and every single room in the house was flooded. Within a couple hours we had someone from ServiceMaster come out to our house to take a look and he was very nice. He left with the promise that he was going to get his guys out that night to start the cleanup process and he made good on that promise. Within 20-30 minutes of leaving our house, he called to let us know when his guys would be coming. They moved all of our stuff and hooked up so much equipment to help dry our house. I am grateful to these employees for how long they stayed at our house in order to get everything done. Thanks to the quick response on their part, our baseboards and drywall were saved. Thank you for making this terrible situation not so terrible!

Types of Water Damage Covered By Homeowners Insurance

As noted, most homeowners insurance policies include water damage as a part of the coverage. This coverage offered by most standard policies only deals with water damage caused by issues from within your home. If the water damage was the result of a plumbing issue or a faulty appliance, then your standard policy will most likely cover it.
When the water damage came from outside of your home, standard policies are not going to cover it. It is because of this that many homeowners in regions that are prone to flooding will take out special flood insurance that covers this type of water damage

The Types of Water Damage That Homeowners Insurance Will Not Cover

Repair/Replacement of the Water Damage Source – Water damage that was caused by an appliance such as a dishwasher or clothes washing machine should be covered by your homeowners insurance in most cases but it will not cover the actual replacement cost of the appliance itself. The coverage only pertains to the actual damage that your property sustained.   

Maintenance Issues That Were Left Unattended to – Another situation where your homeowners insurance will not cover you for water damage is cases where the issue occurred as a result of a home maintenance issue that you failed to address. An example of this would be water damage that is the result of a washing machine or a faulty sink that has been leaking for months.                       

Flood Damage (Natural Sources) – If the water damage that your property has sustained was the result of flooding from a natural source, it will not be covered by homeowners insurance. Examples of this would include flooding that resulted from a lake or river that has overflown its banks.       

Does Homeowners Insurance Cover Water Damage Caused By Snow?

Another common question that property owners have about the types of water damage that their homeowners insurance covers relates to damage caused by snow. The answer to this, generally speaking, is yes. 

The weight of snow and ice can put a lot of stress on your home’s roof. Because of this, it is generally considered by insurance providers to be a named peril. If your home’s roof has been damaged by snow and ice, it will be covered under your policy. Ice dams that form on roofs as a result of storms are also frequently covered by homeowners insurance policies. 

It is important to note that if your roof has existing weaknesses that allow snow and ice to seep in, this may not be covered. In these cases, the specifics of the situation generally determine whether or not your homeowners insurance will cover the damage.

Does Homeowners Insurance Cover Water Damage Caused By Floods?

Standard homeowners insurance policies will not cover water damage that is the result of natural flooding. Given this fact, it is a good idea to purchase a flood insurance policy if you reside in a region that is prone to periodic or frequent flooding.

Flood insurance is not offered by a lot of insurance companies but if your service provider does offer it, you might be able to add flood coverage as a separate endorsement to your current policy. If your insurance provider does not offer flood insurance, then you can purchase it through the National Flood Insurance Program.

How ServiceMaster Fire & Water Restoration Services Can Help You With Water Damage

When water damage strikes your property, you can count on our team at ServiceMaster Fire & Water Restoration Services to help you get everything back to normal again. We are the trusted water restoration professionals that property owners in the Lexington, Kentucky region rely on for all of their service needs. Our team is dedicated to quickly responding to your location so that we can begin the water mitigation, remediation and restoration process. 

Kentucky is a state that is known for serious flash floods and other smaller floods. These often occur after heavy thunderstorms strike the region. Storms like this are common in the winter and spring months. When your property sustains water damage from these types of floods, or from any other water source, we are the service professionals that you can rely on.

A fast response is crucial because water damage only gets worse the longer that the problem goes unaddressed. You can count on our experienced and dedicated water restoration contractors to act quickly so that we can mitigate the overall amount of damage to your property. This ends up saving you money in the long run.

Our water restoration services that we offer here in the Lexington region include:

Our team at ServiceMaster Fire & Water Restoration Services is only a phone call away whenever your property has sustained water damage. We have many years of experience serving the needs of property owners here in the Lexington, Kentucky region. You can count on us to quickly respond to your service requirements. We offer competitive rates and take a lot of pride in focusing on this amazing community. Whether your home has been damaged by recent flooding, a storm, or issues with appliances and plumbing, we are here to make a difference and get things back to normal for you once again!

Contact ServiceMaster Fire & Water Restoration Services, Today!

We understand that water damage isn’t an easy task to go through, and we here at ServiceMaster Fire & Water Restoration Services have gone and been through a variety of unforeseen situations alongside homeowners. Our experts offer services to help assist you, such as repairing appliance leaks, roof failures, flooded basements, and many more situations homeowners find themselves in. Do not hesitate – call us today.

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Who We Are

ServiceMaster Fire & Water Restoration Services is dedicated to providing residents and businesses in central Kentucky with outstanding service at a time when things are upside down. We have been in this field since 1929, and we understand what it’s like to go through a major disaster. Let us help you get your life back to normal.

What We Do

ServiceMaster Fire & Water Restoration Services provides disaster relief services. Our experienced team is always at the ready, and we work quickly and efficiently to make sure your home or business is cleaned up properly. We use our expertise to troubleshoot problems and do a clean up that is thorough and professional. Contact us for help when you need it! We’ll take good care of you.