If you’re a homeowner facing water damage, your first question is likely: "Will my homeowners insurance pay for this?" The answer depends on how the water damage happened and what’s included in your policy coverage.
✅ Water Damage Usually Covered by Homeowners Insurance
Most standard homeowners insurance policies do cover water damage, but only if it is sudden and accidental. Examples include:
Burst pipes or plumbing failures
Water heater leaks
Overflowing washing machines or dishwashers
Storm damage (like wind-driven rain or roof damage from a fallen tree)
In these cases, your insurance company typically pays for the cleanup and repairs, after you pay your deductible.
❌ Water Damage NOT Covered by Insurance
There are situations where your homeowners insurance will not cover water damage, such as:
Flooding from heavy rain, overflowing rivers, or storm surge (you’ll need separate flood insurance for this)
Gradual leaks or slow water damage caused by poor maintenance
Mold, rot, or corrosion that builds up over time
Sewer backups, unless you’ve added special coverage
If the damage was preventable or due to negligence, it’s unlikely to be covered.
? Pro Tip: Add These Coverages for Better Protection
Flood insurance (through FEMA or a private provider)
Water backup coverage for sump pump failures or sewage backups
Service line coverage for broken pipes on your property
? Colorado Springs Water Damage Restoration Experts
If you're in Colorado Springs and need fast, professional help for water damage, burst pipes, or mold removal, call Best Option Restoration of Colorado Springs. We work with all major insurance providers and offer 24/7 emergency services.
