Does Insurance Cover Water Damage?

What is usually covered

Standard homeowners policies typically cover water damage that is sudden and accidental. That includes many of the most common losses we see across Washington homes.

• A burst or frozen pipe that suddenly fails.
• A supply line break behind a washing machine, dishwasher or refrigerator.
• A water heater that ruptures without warning.
• Water damage from putting out a fire.
• An overflow from a plumbing failure you did not cause.

What is usually not covered

Insurers generally exclude damage that builds up over time or that better maintenance would have prevented. They also treat flooding differently from plumbing failures.

• Gradual leaks and long-term seepage that went unaddressed.
• Damage from lack of maintenance, such as a slow leak under a sink.
• Flooding from rising water outside the home, which usually requires separate flood insurance.
• Sewer or drain backups, unless you carry a specific backup endorsement.

Why fast action protects your claim

Every policy asks you to take reasonable steps to prevent further damage after a loss. If you wait and the damage spreads, an insurer can reduce or deny part of the claim. Calling a restoration company quickly to extract water and begin drying is not just good for your home, it demonstrates that you acted responsibly.

How to strengthen your claim

• Photograph and video everything before cleanup begins.
• Keep damaged items until your adjuster has reviewed them.
• Save receipts and any repair or restoration estimates.
• Report the loss to your insurer promptly.
• Let your restoration company document the damage and talk to your adjuster.

We work directly with your insurance

Navigating a claim while your home is disrupted is stressful. At Turning On, we work directly with all major insurance providers, document the damage in the detail insurers expect, and coordinate with your adjuster so you get the coverage you are owed. Our water damage restoration team can start mitigation and handle the paperwork at the same time. Call (425) 772-9467 for help with your claim.