Water damage insurance coverage can be confusing when disaster hits. Water damage happens fast, and dealing with your insurance company right after can make it worse. The big question most people ask is, “Will my insurance even cover this?” The answer depends on how it happened and how quickly you act. Knowing what your plan covers ahead of time can save you a lot of stress and money later.
When Water Damage Is Usually Covered
Most regular homeowners insurance plans do cover sudden, accidental water damage. Think of things that happen out of nowhere, not something that’s been building up for months.
- A frozen pipe bursts overnight
- A washing machine hose pops off mid-cycle
- A tub or sink overflows unexpectedly
- Firefighting efforts soak part of your home
If your plan covers both the structure and your stuff inside, your insurer might help repair the building and replace damaged items.
When Water Damage Isn’t Covered
Insurance companies make a clear line between “sudden” and “slow.” If the damage happened because something was ignored, it’s probably not covered. Things most policies won’t cover include:
- Flooding from rain, storms, or rising water outside
- Sewer or drain backups (unless you bought an add-on)
- Long-term pipe leaks or roof drips
- Poor maintenance or wear and tear
According to the National Association of Insurance Commissioners (NAIC), homeowners should review their water damage insurance coverage each year to understand what’s included and what requires extra protection.
How to File a Water Damage Claim
If you’ve got water damage, don’t wait. The faster you react, the better chance you have of getting the claim approved.
- Stop the source of water first.
- Snap photos and short videos before you clean anything.
- Call your insurance company and open the claim.
- Then call Emergency Restoration Xperts (ERX) at (828) 639-8208 so the drying and mitigation process starts right away.
- Keep receipts and any paperwork for the adjuster.
How ERX Helps With Insurance Claims
Insurance can help a lot, but not in every case. The trick is knowing what’s covered and calling for help right when things happen. Emergency Restoration Xperts (ERX) is on call 24/7, ready to dry, clean, and rebuild whatever’s needed. Call us anytime at (828) 639-8208 and let us handle the hard part.