Does homeowners insurance cover all water damage?

No — flood, groundwater, gradual leaks, and sewer backup (without endorsement) are commonly excluded.

What water damage is always covered?

Sudden and accidental internal water damage: burst pipes, sudden appliance failures, and wind-driven rain through storm-damaged roofs.

Estimate whether your homeowners policy likely covers your water damage event.

What caused the water damage?

I have flood insurance (NFIP/private)I have sewer/water backup endorsement

Not legal advice. Coverage varies by policy, state, and carrier. Verify with your declarations page and agent.

: No — flood, groundwater, gradual leaks, and sewer backup (without endorsement) are commonly excluded.
: Sudden and accidental internal water damage: burst pipes, sudden appliance failures, and wind-driven rain through storm-damaged roofs.