Homeowners insurance typically covers water damage that is sudden and accidental from an internal source, such as a burst pipe or a failed appliance supply line. It typically excludes gradual leaks and long-term seepage, groundwater and surface flooding, and sewer backup unless you carry the relevant endorsement. Coverage always depends on your specific policy language, the cause of loss, exclusions, endorsements, and your insurer's determination. This is general information, not a coverage opinion.
Water damage from a pipe that suddenly bursts is usually covered by homeowners insurance, including drying, repairs, and often damaged contents. The cost of replacing the pipe itself is frequently not covered, and claims can be reduced or denied when the home was unoccupied without heat or when the failure resulted from a known unrepaired condition. Coverage always depends on your specific policy language, the cause of loss, exclusions, endorsements, and your insurer's determination. This is general information, not a coverage opinion.
Interior water damage from a roof leak caused by a sudden covered event, such as hail or wind damage that opened the roof, is often covered, and the roof repair itself may be covered as well. Leaks caused by age, worn shingles, failed flashing from wear, or deferred maintenance are typically excluded as maintenance. Coverage always depends on your specific policy language, the cause of loss, exclusions, endorsements, and your insurer's determination. This is general information, not a coverage opinion.