06/04/2026
A lot of homeowners assume “water damage” is automatically covered, but it depends on where the water came from.
A sudden pipe burst? Usually covered.
Water backing up through a drain or sump pump? You may need added coverage.
Flooding from heavy rain or rising water? That typically requires a separate flood insurance policy.
This is why it is so important to review your policy before you actually need it. A quick coverage check can help you understand what is included, what is not, and where you may have gaps.
Not sure what your policy covers? Let’s take a look.