Does Home Insurance Cover Water Damage from Storms?

Heavy rains and storms can often lead to water damage in your home, but does your home insurance cover this type of damage? The answer is sometimes yes and sometimes no. It all depends on the cause of the water damage.

If the water damage is due to a “named peril,” such as a hurricane or tornado, then it will likely be covered by your home insurance. However, if the water damage is due to a “non-named peril,” such as a broken pipe or leaky roof, then it will not be covered by your home insurance and you will be responsible for paying for the repairs out of your own pocket.

There are some exceptions to this rule, however. For example, if you have a riders or endorsements on your home insurance policy that specifically cover water damage, then you will be covered regardless of the cause. Additionally, some home insurance policies cover “sudden and accidental” water damage regardless of the cause. So if you have any questions about whether or not your particular policy covers water damage, be sure to check with your agent or insurer.

Conclusion:
No one ever wants to experience water damage in their home. But if you do, it’s important to know whether or not your home insurance will cover the repair costs. In most cases, if the water damage is due to a named peril such as a hurricane or tornado, it will be covered by your home insurance policy. However, if the water damage is due to a non-named peril such as a broken pipe or leaky roof, it will not be covered and you will be responsible for paying for the repairs out of your own pocket. There are some exceptions to this rule, so if you have any questions about what is and is not covered under your particular policy, be sure to check with your agent or insurer.