Water damage is one of the most common claims under a home insurance policy. Burst pipes, leaky appliances, and flooded basements often lead people to discover the details of their home insurance policies. Instead, make sure you know whether you have water damage insurance. Here are some common water damage scenarios and their insurance consequences.

1. Temperature Drop Causes Pipes to Freeze and Burst

Are you covered? Yes, you are covered for water damage from burst pipes, but most policies do not cover you if you left the house unoccupied without heat. In this case, your claim could be denied because you’ve failed to take precautionary steps to prevent the accident.

2. Washing Machine Overflows, Floods Basement

Are you covered? Yes in most cases. Did you fail to maintain the washer or did sudden, accidental damage cause the flood? Usually, a home insurance policy covers water damage due to a broken appliance.

3. Sewer Backup Floods Basement

Are you covered? It depends on your policy. Some home policies automatically include sewer backup in the coverage. If not, you can buy coverage with a special endorsement. Check with your insurance provider for clarification.

4. Water Seepage Into Basement Damages Foundation and Interior

Are you covered? No. Seepage is considered a maintenance problem, not “sudden and accidental” damage and is excluded from coverage.

5. Rainstorm Causes Tree to Fall on Roof, Leads to Interior Water Damage

Are you covered? Yes, your home policy would cover the resulting damage to your roof and the interior damage from the rain. Most policies will even cover the removal of the damaged tree.