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Will your homeowner???s insurance policy pay for damage done to your home caused by a water leak?

Posted on May 23, 2015 at 7:40 AM

  Most homeowner’s policies will cover water damage caused by sudden or accidental natural events, like a defective washing machine, but many policies will not pay for damage resulting from improper maintenance. It is important to note that it is the “damage” to your home from the water loss that is covered; NOT the repair to the actual item that failed.

 Your Homeowners policy pays for the necessary costs to access (eg. cut open an undamaged wall to access a broken pipe and then pay to repair the wall) and repair the damage caused by the water. But, the broken pipe itself, which failed because of wear and tear, decay, defective materials or methods of construction is not part of the covered loss. The cost to repair the pipe or appliance is your responsibility.


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