Homeowners insurance won’t pay out for water damage due to poor maintenance, wear and tear or negligence However, water damage from faulty plumbing or ruptured pipes are usually covered. Does homeowners insurance cover water damage from leaking plumbing Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental, such as if a washing machine supply hose suddenly breaks or a pipe burst. Homeowners insurance may cover water damage if the cause is sudden and accidental, such as a burst pipe Water damage caused by neglect, wear and tear, and deliberate acts is not covered.
If you carry homeowners insurance, the good news is you already have some coverage for water damage However, not all types and sources of water damage are covered by a standard home insurance policy—so it's important to understand the ins and outs. Fortunately, there are three clauses in your homeowners insurance policy that may provide coverage if your house has water damage Your policy's dwelling coverage clause insures the structure of your home, such as its roof, walls and floorboards. Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowners insurance If the water comes from outside your home, it will not be covered by your standard policy.
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