Will Insurance Pay for my Water Damage?

Water damage in your home can be dangerous, stressful to handle, and expensive to repair. It can also lead to subsequent mold damage if not handled correctly. Most homeowners expect that their insurance will cover water damage to their homes.

But this isn’t always true.

Will Insurance Pay for My Water Damage?

discussion in partner with the insurance community

The short answer to this question is that it depends.

To determine whether your insurance will pay for the cleanup and repair of water damage in your home, you need to thoroughly inspect your insurance policy or speak with your local insurance agent.

saving home by partner with the insurance community

When it comes to water damage coverage, we have found that our customers typically have coverage for water damage from the following sources – again, you’ll need to check with your insurance carrier to be sure that you would have coverage in the event of water damage):

  • Water Heaters
  • Toilets
  • Washing Machines
  • Dishwashers
  • Refrigerators
  • Supply Lines
  • HVAC Condensate Pumps
  • Sump Pumps
  • Roof Leaks

As a general rule of thumb, if the source of the water damage is within your home, a typical homeowners insurance policy will likely cover it. But if the source of the water damage is outside your home, you may require a different type of insurance policy to cover and pay for its repairs.

water damage restoration insurance coverage agreement

We cannot say for sure if your homeowners insurance will cover and pay for water damage, even from the mentioned sources. Only your insurance company, agent, and policy can confirm that.


Homeowners insurance is extremely important, but if your home is in a region with frequent hurricanes, floods, or storms, you should consider getting an insurance policy that will cover water damage from these sources as well. Take advantage of the vast knowledge your local agent has and learn about how you can protect yourself financially in the event of some type of water damage.

In case your home does experience water damage of any kind, we recommend seeking professional help from experts like Major Restoration by calling 717-855-2367 immediately.

If you want to learn more about water damage, or about the best professionals for emergency water mitigation, fire and smoke restoration, mold remediation, or repair and restore services, please visit our website today.


Serving South Central Pennsylvania and Northern Maryland
PA# 019590 MD# 108211
We also do : Water Damage Restoration, Drying & Dehumidification, Fire, Smoke & Soot Clean Up, Sump Pump Failures, Restoration and Mitigation, Crime Scene Clean Up, Pack Outs, Biohazard, Puff-back Cleanup, Mold Remediation, Sewage Clean Up, Water Extraction and General Contracting

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1214 East Market Street
York, PA 17403



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