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