What is usually covered
Standard homeowners policies typically cover sudden and accidental water losses inside the home — burst pipes, appliance supply-line failures, water heater leaks, accidental overflows, and weather-related events like a tree falling on the roof. The damage to building materials (drywall, flooring, framing) and often contents is included up to your policy limits, minus your deductible. Some policies also cover sewer or drain backup, but only if that endorsement has been added.
What is usually excluded
Gradual or long-term leaks — a slow drip behind a wall over months — are usually excluded because they are considered a maintenance issue rather than a sudden event. Surface flooding from rivers, heavy rain runoff, or storm surge is excluded from standard homeowners policies; that requires a separate flood insurance policy from the NFIP or a private flood carrier. Mold caused by chronic moisture is also typically excluded. Mold from a covered, sudden loss may be partially covered, but often has a sub-limit you should confirm with your carrier.
How to document a claim
Photograph everything before cleanup if it is safe to do so — wet rooms, water lines on walls, affected contents, and the source of the water. Keep receipts for any emergency mitigation. Call your insurance company quickly to open a claim, and call a restoration company to begin extraction and drying so the loss does not get worse while you wait for an adjuster. A professional restoration team should provide moisture readings, scope notes, photos, and a clear timeline that your adjuster can match against the policy.
Related Guides
Need help with property damage now?
Prime Solution Restoration is available 24/7 for emergency water, fire, mold, and cleanup calls across Northern Virginia, DC, and Maryland.
+1 (571) 655-7207