Is Water Seepage Covered Under My Homeowners Policy?

Homeowners, we are sure that you will agree with us that it’s not nice to wake up to a flooded basement, especially after you realize that your brand new Persian rug is ruined. If you have a homeowners insurance policy in place, you might be wondering if you are covered for water damage incidents such as these. When accidents happen, you’ll want to make sure that you have dependable home insurance. 

You might find that, after filing a water damage insurance claim, that standard homeowners insurance policies will cover certain damages, but unfortunately not all water damage is insured.

Homeowners Insurance and Water Seepage 

If you are battling to try and understand and choose the best home insurance policy to protect your home, why not speak to the committed team of independent insurance agents at Paradiso Insurance for a quote? 

When water damage originates from within your house, such as from a burst geyser, your standard homeowners insurance provider will most likely cover the damage. However, you are out of luck if the damage was caused by water from outside your house, such as from a flood. You might have to add a flood insurance policy to your current home insurance policy to protect you against flood-related losses.

The Difference Between Water Seepage and Flooding 

While we won’t blame you for assuming that all water damage is equal, water seepage and flood damage are in fact seen as two different things, at least when it comes to insurance policies. It can be both overwhelming and confusing trying to determine the difference between the two. That is why it is so important to make sure that you understand the fine print of your insurance policy if you want to protect your home. 

Instead of flooding you with facts about water damage and floods, we’ve summarised a few instances that are not covered by standard home insurance policies.  

Water Damage Your Homeowners Insurance Policy Won’t Cover

You should never assume that all water damage will automatically be covered by your insurance. Instead, you should consult with a knowledgeable insurance agent to insure that you are aware of the instances that might require additional protection.

There are a few other situations where most standards policies won’t cover damage relating to water seepage. Standard home insurance policies will not provide cover if: 

  • Flood-related issues and flood damage is not covered by your home insurance and will require a separate flood insurance policy.
  • Unattended maintenance issues, such as a leaky faucet that has been due for repair for several months, may not be covered by your home insurance policy.
  • The cost of repairing or replacing the water damage source will not be covered by your insurance. For example, if your washing machine flooded your home and ruined your rugs, you will be liable for the cost of the repair of the washing machine. However, if your floor repair expenses are usually covered. 

Choose Dependable Homeowners Insurance Agents

Choosing the right independent insurance agent is as important as choosing the right homeowners insurance policy. The team at Paradiso Insurance will put together a homeowners plan that meets the unique needs of your beloved home. 

Our independent insurance agents are dependable and have years of industry experience to provide you with the very best advice for securing home insurance.


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