Does Homeowners Insurance Cover Water Damage? Here’s What You Need to Know

August 24, 2024

by onsitepro.org

Water damage is one of the most common and expensive problems homeowners face in Los Angeles. From burst pipes to roof leaks, knowing whether your insurance policy will cover the costs can save you stress and thousands of dollars. In this guide, we’ll break down what’s usually covered, what’s not, and how Onsite Pro Restoration can help you through the claims process.

What Types of Water Damage Are Usually Covered?

Most homeowners insurance policies cover sudden and accidental water damage, such as:

Burst pipes
Overflowing appliances (like washing machines or dishwashers)
Accidental leaks from HVAC systems
Water damage from extinguishing a fire

Example: If a pipe bursts while you’re away, flooding your living room, your insurance will likely cover repairs and restoration.

What Water Damage Is Not Covered?

Unfortunately, not all water damage is covered. Common exclusions include:

Gradual leaks due to lack of maintenance
Mold resulting from long-term moisture issues
Flooding from external water (you’d need separate flood insurance)
Sewer or drain backups (unless you add special coverage)

Example: If your roof has been leaking for months and causes damage, insurance may deny your claim, saying it was a maintenance issue.

How to File a Water Damage Claim

If you discover water damage, here’s what to do:

Stop the source (turn off water supply, etc.)
Document the damage with photos and videos.
Call a restoration company immediately (like Onsite Pro) to prevent further damage.
Notify your insurance provider and open a claim.
Provide professional documentation from your restoration contractor.

Why Work With Onsite Pro Restoration?

Insurance claims can be confusing. Our team provides:

Detailed reports and documentation for your insurance adjuster

24/7 emergency response to limit damage

Transparent communication with both you and your insurance company

Assistance in ensuring you get the coverage you’re entitled to

Helpful Resources

FEMA: Dealing with Water Damage
California Department of Insurance: Homeowners Coverage
IICRC Standards on Water Damage Restoration

Don’t wait until it’s too late. If your home has water damage, Onsite Pro Restoration is ready 24/7 to help. We’ll not only restore your property but also guide you through the insurance claim process.

Frequently Asked Questions

Will insurance cover water damage from rain entering through my roof?

Usually not, unless the damage was sudden (like a storm tearing shingles off). Long-term roof leaks are considered maintenance issues.

Does insurance cover mold removal after water damage?

In many cases, mold remediation isn’t covered unless it results directly from a covered water damage incident.

Can I choose my own restoration company, or do I have to use the insurance company’s preferred vendor?

You always have the right to choose your own restoration company. Insurance companies may suggest vendors, but the choice is yours.

onsitepro.org

Post Author Info

Pete Mantizian is the dedicated owner of Onsite Pro Restoration. He is driven by a passion to improve living conditions and prevent health issues caused by improper restoration. With over 10 years in construction and 7 years in restoration, Petros has managed projects for major franchises like Serv-Pro and 911 Restoration. He holds certifications in Applied Structural Drying, Microbial Remediation, and more. Committed to excellence, Petros ensures every project is done right the first time. Outside of work, he cherishes time with his loving wife and two children, balancing his fulfilling career with creating lasting family memories.

Water Damage

Questions About Water Damage and Insurance?

Understanding what your policy covers can be confusing. Call (818) 336-1800, email info@onsitepro.org, or fill out the form below to talk with our experts. We’ll explain the restoration process, provide documentation for your claim, and help you get the coverage you deserve.