Is Water Restoration Covered by Insurance?

Water damage can be a nightmare for homeowners, causing extensive damage to your property and belongings. When faced with this situation, one of the first questions that come to mind is whether or not your insurance will cover the cost of water restoration

In this comprehensive guide, we’ll explore the factors determining if water restoration is covered by insurance, the types of water damage that may be included, and the steps you should take when dealing with water damage in your home.

Understanding Your Insurance Policy

You must review your policy carefully to determine if your insurance covers water restoration. Homeowners insurance policies vary but generally cover sudden and accidental water damage. This means that if the damage was unexpected and not caused by a lack of maintenance or neglect, your insurance is more likely to cover water restoration costs.

It’s essential to understand your policy’s specific terms and conditions, as there may be exclusions or limitations on coverage. For example, some policies may not cover damage caused by sewer backups, while others may require you to have a separate flood insurance policy for damage caused by flooding. 

Types of Water Damage Covered by Insurance 

There are several types of water damage that your insurance policy may cover. These include:

  • Burst pipes: If a pipe suddenly bursts in your home, causing water damage, your insurance policy will likely cover the cost of repairs and water restoration.
  • Leaking appliances: If your dishwasher, washing machine, or other appliance leaks and causes damage, your insurance may cover the costs of repairs and restoration as long as the leak was sudden and accidental.
  • Roof leaks: If a leaky roof causes water damage to your home, your insurance policy may cover the costs of repairs and water restoration, provided that the leak was not due to neglect or a lack of maintenance.
  • Storm damage: If a storm or heavy rain causes water damage to your home, your insurance policy may cover repairs and restoration costs. 

It’s important to note that not all types of water damage are covered by insurance. For example, damage caused by flooding or sewer backups may require separate insurance policies or endorsements.

Steps to Take When Dealing with Water Damage

If you experience water damage in your home, it’s crucial to act quickly to minimize the damage and ensure the best possible outcome with your insurance claim.

Follow these steps:

  • Contact your insurance company: As soon as you discover water damage in your home, contact your insurance company to report the issue and start the claims process.
  • Document the damage: Take photos or videos of the damaged areas and any damaged belongings. This will serve as evidence for your insurance claim.
  • Prevent further damage: If it’s safe, prevent additional damage. This may include turning off the water supply, removing standing water, or placing buckets under leaks.
  • Hire a professional water restoration company: A professional water restoration company, such as PuroClean Northwest, can help you assess the damage, develop a plan for restoring your home, and work with your insurance company throughout the process.
  • Keep records: Keep track of all communication with your insurance company, including phone calls, emails, and letters. Also, save receipts for any expenses related to the water damage, such as temporary housing or the cost of hiring a water restoration company.

What About Fire Restoration?

Like water restoration, homeowners insurance policies often cover fire restoration. However, the specific coverage depends on your policy and the circumstances surrounding the fire. In most cases, if the fire was accidental and not due to neglect or intentional acts, your insurance should cover the costs of fire restoration and repairs.


Understanding whether your insurance policy covers water or fire restoration is crucial when dealing with damage to your home. Review your policy carefully, and don’t hesitate to contact your insurance company for clarification. Following the steps outlined in this guide and working with a professional restoration company, you can navigate the process more smoothly and ensure your home is restored to its pre-damage condition.

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