Insurance Guide

Does Homeowners Insurance Cover Water Damage?

Sometimes—but coverage depends on the policy, cause of loss, exclusions, endorsements and specific circumstances. This page is general information, not a coverage determination.

Start With Your Own Policy and Insurer

Water-damage claims can turn on details that a restoration website cannot determine for you. Review your policy and contact your insurer or qualified insurance professional for an actual coverage decision.

Document Conditions

Photos, notes, receipts and records of steps taken after the incident may be useful. See what to do after water damage.

Restoration and Insurance Are Separate Questions

Whether work is necessary and whether a policy pays for that work are not the same question. Avoid delaying urgent safety measures while assuming coverage one way or the other.