Does Homeowner’s Insurance Cover Water Damage?

Not all water damage is covered by homeowner’s insurance, and confusing it with flood damage can be a costly mistake.

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A standard homeowner’s policy may cover costs associated with water damage. However, not all types of water damage are covered. Flood damage isn’t covered by a standard homeowners’ insurance policy.

It’s important to understand the difference between water damage and flood damage so you know exactly what’s covered when you have a loss. There are also some exclusions to water damage coverage that are outlined in your policy.

Water Damage vs. Flood Damage

It’s important to remember that water damage and flood damage are two different things, but distinguishing between the two can be confusing.