What does my home insurance cover for water damage?

What does my home insurance cover for water damage?

Home insurance typically covers water damage from sudden incidents, like burst pipes, but not from flooding.

Does that include damage from a leaking roof?

Yes, if the leak is due to a covered peril, like a storm, it should be covered. However, maintenance issues may not be.

What about sewer backup? Is that covered?

Sewer backup is usually not included in standard policies, but you can often add it as an endorsement.

How can I file a claim for water damage?

To file a claim, contact your insurance company, provide details of the damage, and submit any required documentation.