Published · By Elite Restoration Services of Iowa
Note: This is general information, not legal or insurance advice. Only your policy and your adjuster can answer what's covered.
What's commonly covered
Many standard homeowners policies cover water damage that is sudden and accidental, like a supply line that bursts or a pipe that splits. The Insurance Information Institute describes sudden and accidental water discharge as generally covered under standard policies.
What's commonly excluded or limited
- Slow, long-term leaks and wear and tear are often excluded.
- Freezing when the home wasn't heated or maintained can be limited, depending on the policy wording.
- Flooding (surface water from outside) is generally not covered by homeowners insurance; it's usually a separate flood policy, such as through the National Flood Insurance Program.
- Sewer or drain backup and sump pump overflow often require a separate endorsement.
- The pipe itself may or may not be covered even when the water damage is.
How to help your claim
- Stop the water and make the home safe.
- Photograph and video everything before cleanup.
- Call your insurer or agent promptly; most policies require prompt notice.
- Take reasonable steps to prevent more damage. Many policies expect this, and drying out the home is part of it.
- Keep receipts and a list of damaged items.
What a restoration company can and can't do
A restoration company can document the damage with photos, moisture readings and a scope of work for your adjuster. At Elite Restoration, we hand all of that to you and to whichever repair contractor you choose. We're not a public adjuster, so we don't negotiate or settle claims, and we can't tell you what your policy covers.