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Common questions about insurance coverage for water damage.

Common questions about insurance coverage for water damage.

by onsitepro.org

When water damage strikes, one of the first questions homeowners ask is: “Will my insurance cover this?” The answer isn’t always simple. Policies vary widely, and coverage depends on the cause of the damage, how quickly you respond, and the fine print in your homeowner’s insurance. This guide answers the most common questions Los Angeles homeowners have about insurance coverage for water damage.

Common questions about insurance coverage for water damage.

What Types of Water Damage Does Insurance Typically Cover?

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

  • Burst pipes

  • Appliance malfunctions (e.g., water heater leaks)

  • Sudden roof leaks caused by a storm

  • Overflowing tubs or sinks (if accidental)

Homeowners Insurance: Water, Mold, and Fire Damage Coverage

What Types of Water Damage Are Usually Not Covered?

Exclusions often include:

  • Gradual leaks or neglected maintenance

  • Mold growth resulting from untreated leaks

  • Groundwater seepage or flooding

  • Sewer backups (unless you have add-on coverage)

How Do I File a Water Damage Insurance Claim?

  • Stop the Source – Shut off water or fix leaks immediately.

  • Document the Damage – Take photos and videos.

  • Contact Your Insurance Provider – File the claim promptly.

  • Hire a Professional Restoration Company – Fast cleanup prevents secondary damage and supports your claim.

Call Onsite Pro Restoration

Does Insurance Cover Mold After Water Damage?

Mold coverage depends on the cause:

  • Covered if the mold resulted from a sudden water event (like a burst pipe).

  • Not Covered if it developed from long-term neglect or unresolved leaks.

How Can I Improve My Chances of Claim Approval?

  • Report the damage immediately

  • Keep detailed records of repairs and expenses

  • Work with an experienced restoration company that provides documentation for adjusters

  • Consider additional flood or sewer backup coverage if you live in high-risk areas

Internal Link: Insurance Claim Timeline
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Common questions about insurance coverage for water damage.

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.

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Need Help With a Water Damage Insurance Claim?

Insurance claims can be stressful, but you don’t have to go through it alone. Call (818) 336-1800, email info@onsitepro.org, or fill out the form below. Our team provides the documentation and restoration services needed to get your claim approved quickly.

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