Water damage is one of the most common homeowners insurance claims in Florida. But water damage is complicated, and coverage depends on the source of the water. Understanding what is covered helps you protect your home.
Covered Water Damage
Standard homeowners insurance typically covers water damage from:
Internal Water Sources
- Burst pipes
- Leaking water heaters
- Overflowing appliances (washing machine, dishwasher)
- Accidental overflow from sinks or bathtubs
- Ice dam damage (rare in Florida but possible)
Weather Events (Not Flood)
- Rain entering through a wind-damaged roof
- Storm damage that allows water intrusion
- Water damage from firefighting efforts
Not Covered by Homeowners Insurance
Flood Damage
This is the big one. Flood damage is NEVER covered by standard homeowners insurance. Flood damage includes:
- Rising water from storms, hurricanes, or heavy rain
- Storm surge
- Overflow from rivers, lakes, or canals
- Mudslides and mudflow
You need separate flood insurance for this protection.
Gradual Damage and Neglect
- Slow leaks that cause damage over time
- Water damage from lack of maintenance
- Seepage through foundations
- Damage from ongoing moisture problems
Sewer and Drain Backup
Standard policies typically exclude water that backs up from sewers or drains. You can add this coverage as an endorsement.
Gray Areas and Complications
Wind-Driven Rain
Rain that enters through a wind-damaged opening is typically covered. Rain that seeps in without wind damage may not be.
Mold Damage
Mold resulting from a covered water loss is usually covered, but limits may apply. Mold from humidity or uncovered water sources is typically excluded.
Hidden Water Damage
The damage discovered behind walls or under floors may be covered if it resulted from a sudden, accidental event. Gradual damage discovered later is usually excluded.
Important Coverage Options
Water Backup Coverage
This endorsement covers damage from:
- Sewer line backups
- Sump pump failures
- Drain backups
Cost is usually $50-100 per year and worth adding.
Service Line Coverage
Covers repair or replacement of underground service lines, including water and sewer lines leading to your home.
Preventing Water Damage
- Inspect plumbing regularly
- Know where your water shut-off valve is
- Install water leak detectors
- Replace washing machine hoses every 5 years
- Maintain your water heater
- Keep gutters and drains clear
- Address small leaks immediately
If Water Damage Occurs
- Stop the water source if possible
- Document damage with photos and video
- Contact your insurance company
- Begin drying and mitigation to prevent further damage
- Keep receipts for emergency repairs
- Do not dispose of damaged items until adjuster approves
Questions about water damage coverage? Contact us for a policy review.
