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Waterproofing tips & tricks

Does homeowners insurance cover water damage?

Key Takeaways: 

  • Homeowners insurance coverage varies based on the policy and claim nature.
  • Standard policies generally cover only sudden and accidental water damage.
  • Foundation leaks or damage aren’t usually covered by standard policies.
  • Review your policy and consult with your insurance provider for specific coverage details.

Homeowners insurance coverage varies based on your policy and the nature of the claim. Typically, standard policies cover water damage resulting from sudden and accidental leaks originating from within your home.

Damage resulting from maintenance-related issues or normal wear and tear is not usually covered by homeowners insurance.

If the water damage is sudden and accidental, homeowners insurance typically covers the resulting water damage, including repairs to the affected areas.

For example, in most cases, your homeowner’s insurance will cover repair works following a burst pipe or an unforeseen plumbing issue.

Review your insurance policy and consult with your insurance provider to understand the specifics of your coverage.

Ask specific questions about the coverage and any additional options available to you. They will be able to provide you with the most accurate information based on your policy and coverage limits.

Some insurance companies offer additional endorsements that can provide coverage for specific risks or events. These include coverage for water damage caused by sewer backups or sump pump failures.

These endorsements may offer additional protection for waterproofing-related issues, but they typically come at an extra cost.

What does the homeowners insurance cover in terms of water leaks?

The standard homeowners insurance generally covers sudden and accidental water damage.

Leaking water heaters can be covered by your homeowner’s insurance. However, if the heater is under warranty, contacting the installer is usually encouraged before filing a claim.

Broken or burst pipes are generally covered provided that you can prove your home has been cared for. However, coverage may be denied if negligence is suspected.

Piping problems and internal plumbing issues are generally covered by most home insurance policies.

If a large appliance like a refrigerator or washing machine causes a water leak and damages your home, file a claim for home damage promptly. You should be able to receive compensation for repairs.

Does homeowners insurance cover foundation leaks?

Standard homeowners insurance doesn’t usually cover foundation leaks or damage.

Foundation issues are generally considered a result of long-term maintenance issues, wear and tear, or gradual deterioration.

Foundation leaks may be caused by factors such as poor construction, soil movement, plumbing issues, or inadequate drainage.

These issues are often considered part of the homeowner’s responsibility for maintaining the property. As a result, they are not typically covered under a standard homeowners insurance policy.


To get a clear understanding of your homeowners insurance coverage, review your insurance policy, and consult with your insurance provider. Discuss any concerns or questions you may have regarding foundation leaks or related issues.

Your insurance provider will give the most accurate information based on your current coverage policy.

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