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  • Writer's pictureMy Private Adjuster

Home insurance covers some types of water damage, but it’ll depend on what caused it.

By Kara McGinley | Published October 7, 2022 https://www.policygenius.com

Here’s how to get home insurance to pay for water damage repairs. Water damage and freezing are the second most common home insurance claims filed nationwide, according to the Insurance Information Institute. But, water damage claims can be tricky to prove at times. To be covered, you’ll need to prove to your insurer that the water damage was caused by something sudden and internal, like a burst pipe. Flooding is never covered by home insurance, nor is regular wear and tear or maintenance issues. Here’s what you need to do to get insurance to pay for your water damage claim.

Once you figure out the source of water damage, check your policy to see if it’s covered. Below are some sources of water damage that may be covered by home insurance.

What kind of water damage is covered?

  • Burst pipes

  • Overflow of an appliance (like a washing machine, dishwasher, etc.)

  • Frozen pipes in a heated home

  • Rain, snow, or ice that suddenly entered your home — like through a roof collapse — but not flooding

  • Water damage from fire extinguishment

What kind of water damage isn’t covered?

  • Flooding or groundwater seepage

  • Gradual water damage

  • Water damage due to maintenance issues, like a hole in your roof

  • Sump pump or drainage backup

  • Frozen, burst pipes in an unheated home

Hot tip: If you’ve looked through your home insurance policy and you’re still not sure if the water damage is covered, reach out to The Shelley Group, Inc. They will assess, scope & estimate the replacement value for your repairs (home or office). WORKING FOR YOU, not the Insurance Company. They’ll be able to tell you whether it’s worth filing a claim and the odds that it will be accepted.


Your insurance company relies on its own adjusters, its own contractors, and its own vendors to come up with a value for your damages.

Shouldn't you have someone working for you, on your behalf?


The Shelley Group believes no homeowner or business owner should have to go “one on one” with their insurance company. We work hard for each of our clients so they can put their lives back together!


The Shelley Group, Inc. will assess, scope & estimate the replacement value for your repairs (home or office). WORKING FOR YOU, not the Insurance Company.

The Shelley Group, Inc | www.MyPrivateAdjuster.com | There When You Need Us

ROOF DAMAGE * MOLD * WATER DAMAGE * THEFT * STORM DAMAGE * HAIL DAMAGE * FIRE & SMOKE DAMAGE * LIGHTNING DAMAGE * FLOOD DAMAGE * TORNADO DAMAGE




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