Will Insurance Cover Water Damage to My Home?

Water damage is one of the most common home insurance claims. Determining whether your home is covered for water damage usually depends on the policy type, damage source, and type of damage.

At Super Service Plumbing, our contractors can find issues with your plumbing system early, saving you from the time, energy, and stress of needing emergency service. Our dedicated team offers emergency plumbing services as well.

What will your home insurance cover?

Standard home insurance policies cover damage when it is sudden and accidental, meaning it happens without warning. In most cases, this covers:

  • Appliance overflows
  • Burst pipes
  • Water damage after a fire
  • Water damage from a roof leak
  • Water damage from a storm

If this happens, be sure to take pictures and document the damage for your insurance agent.

What type of water damage is not covered?

Damage that happens due to wear and tear or gradually is excluded from most home insurance policies. Gradual damage includes water damage due to a lack of HVAC and plumbing maintenance.

Examples of gradual damage can include:

  • Unmaintained broken, frozen, or corroded pipes
  • Leaky toilets, faucets, and other fixtures leading to mold and mildew growth
  • Roof leaks, not including ones caused by age, inadequate maintenance, infestations, rot, and deterioration.

It is important to note that floods, sewage backups, earthquakes, and foundation seepage usually require separate insurance policies.

Start saving on your water bills by talking to our Saint Helena plumbers on our water conservation history.


What can you do to prevent water damage?

It is important to avoid costly expenses with regular maintenance. Even if the damage is covered by insurance, it is always better not to have any water damage to deal with.

  • Check out the following tips on preventative maintenance, or call our plumbers for more information.
  • Fix issues promptly – ignoring or postponing repairs can cause mold, mildew, rot, and structural damage to your home.
  • Have your furnace and air conditioning units inspected yearly
  • Inspect, clean, and replace hoses going to and from washing machines, dishwashers, water heaters, and refrigerators.
  • Keep water supply lines clear and open
  • Drain water heaters regularly to prevent buildup.
  • Prevent frozen pipes by keeping them warm and insulated.
  • Track your water bill for spikes that water leaks might cause.
  • Know where your home’s main water shutoff is.
  • Sign up for a maintenance plan with your local plumbers in Napa County

To reach our residential plumbing company, please contact us at (707) 544-6444 today.

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Finding a residential plumbing contractor in California provides the convenience of getting to your bay area home without the added stress or cost of waiting around. Instead, your tankless water heater or backflow can start to receive the necessary plumbing repairs you’re looking for right away. Super Service Plumbing is one of the top plumbing companies on the west coast, located in the heart of wine country in Sonoma County.

Super Service Plumbing provides plumbing services in Santa Rosa and throughout Sonoma County, and is always available for emergency plumbing repairs 24/7. So call one of the best plumbing companies near you at (707) 544-6444 today.

Proud to help our Sonoma County communities including:

Santa Rosa, Petaluma, Rohnert Park, Windsor, Healdsburg, Sonoma, Cloverdale, Sebastopol, Cotati and beyond.

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