- Water from a pipe or roof leak, depending on the cause and how long since the event began, is typically covered on a homeowner's policy no differently than any other event. It's important to file claims as soon as the damage is noticed, as the length of time since the event began can in some circumstances affect how a company evaluates and treats damage claims.
- Sub-surface water backing up from a pump, sewer or drain is typically not automatically covered on a homeowners policy without an additional rider to add coverage for these types of events. If you have a finished basement space, or use your basement for storage, it's very important to discuss how your policy can cover this sort of water event.
- Surface water that comes in from a window well, or through another entry area due to heavy rain or an inability of a storm sewer outside to keep up with the volume of water is typically only covered under a flood insurance policy, which is a standalone insurance policy underwritten by the National Flood Insurance Program.
- Water which seeps in through a wall or basement floor is typically not covered under any policy available.
Now, every situation is different, so it is very important to discuss with your agent all of the details about how water entered your home. Communication and clarity can help avoid confusion and coverage issues.
