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Does Homeowner’s Insurance Cover Water Damage Restoration?



Did you know that water damage claims are one of the most common insurance claims today? As water damage can strike suddenly and unexpectedly in residential properties – either because of natural catastrophes or internal issues – many homeowners have experienced the issue of water damage at least once. You may be wondering if water damage restoration is covered by your typical homeowner’s insurance policy. While the exact answer will depend on the specifics of your policy, a general rule of thumb is that damages are covered under certain circumstances and not others.


When Is Water Damage Covered and Not Covered?

First, let us address when water damage is covered and not covered by a typical homeowner’s policy. Most policies do not cover gradual damage, which is damage that has been allowed to build up over time. This is because the lack of maintenance or poor maintenance is considered a fault on your part, not the result of regular wear and tear. If damages occurred suddenly or unexpectedly, it is in your best interests to report it straight away. If you let some time pass before doing so and further damage occurred in that time, you run the risk of your claim being rejected.


However, it is important to note that water damage claims do not cover the full cost of restoration and any damaged belongings. Below are the most common types of coverage offered:

  • Dwelling coverage: This covers any structural damage caused to your home.

  • Personal property coverage: Personal belongings that have been destroyed or damaged are claimable under this kind of coverage.

If water damage occurred as a result of external factors such as flooding caused by adverse weather conditions or a backed up sewage system, the typical homeowner’s policy does not cover it unless you have taken out an additional policy to cover for natural catastrophes and more.


Best Practices for Making A Water Damage Claim

If water damage has occurred in your home, below are some best practices to follow when it comes to making a claim with your insurance company and returning your property to a livable condition:

  • Take photographs of the damage as soon as it occurs, without any attempting to move anything.

  • Contact your insurance company as soon as possible – if you drag it out, your claim may be invalid by then.

  • Engage water damage restoration services as soon as you are able to. The longer you leave it, the more serious the problem can get.

Why Should You Hire Water Damage Restoration Professionals?

If water damage has occurred suddenly and unexpectedly in your home, take action immediately. Do not leave the problem to worsen and increase the chances of out of pocket costs as well as more serious consequences. When you engage our services at Provision, you can be assured that we have the necessary expertise, equipment, and experience to eradicate any water damage issues at its root.


If you require water damage restoration services, feel free to contact us at Provision today. Alternatively, you can call us at 678-383-0889.




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Phone: 678-383-0889

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