Does Insurance Cover Water Damage ?
YES
Insurance Covers Water Damage when it’s a sudden, recent, just happened, abrupt type release of water.
No
Insurance May Not Cover Water Damage if you say that the water leak was there a long time, that it happened months ago, or you didn’t know you had a leak.
All of these phrases or anything similar will get your Water Damage Claim Denied.
Long-term leaks are not covered by your homeowner’s insurance policy
“Constant or Repeated Seepage or Leakage” is not covered
How to Get Insurance to Pay for Water Damage
Insurance companies try to find ways to deny your claim or pay your claim for the lowest amount possible. Therefore, if you have a long-term leak, I strongly recommend that you hire a public adjuster to help with your claim. If you have a sudden, recent leak, and you try to handle the claim yourself, you should know this fact from the Homeowners Institute for Insurance Claims Study:
93% of Insurance Water Damage Claims are Underpaid or Denied
