Your standard everyday homeowners insurance policy is going to cover some damage that came on suddenly and accidentally, through no fault of your own. And, it needs to be found that either a) there was nothing you could have done to stop the sudden non-flood water damage
, and b) you already took all necessary precautions. Here are three examples to give you an idea of the types of water damage that ARE covered. As you’ll see, none are really what you would consider conventional ‘leaks’ per se.
_ An uncharacteristically strong windstorm came through your area and caused a shrub to uproot from down the street and come sailing through your kitchen window.
_ There was a freak snowstorm, or other recognized peril, that led to ice dams causing the roof to spring some leaks overnight.
_ Yes, there was a sudden and accidental plumbing incident that caused a leak and non-flood water damage.
Once you get into catastrophic flooding territory where there’s standing water in the home, the question “Does homeowners insurance cover water leaks?” becomes more complex. That won’t be covered under basic homeowners insurance. You’ll need specific flood insurance for that, which usually comes standard in areas prone to this type of weather-related or wind-driven damage.