What Insurance Do You Need Before Disaster Strikes?

Your homeowners, renters, or condo insurance typically covers sudden and accidental water damage, like a burst pipe or an overflowing appliance. But gradual leaks, neglect, or flood events are often excluded. Read your policy declarations page to see what perils are named and what limits apply.

Your policy may not cover water that seeps through the foundation during heavy rain. That kind of damage is usually considered flooding, which requires a separate policy. Check your policy to see how it defines flood and water damage.

• Review your policy declarations page for coverage limits.
• Look for exclusions like flood, sewer backup, or groundwater.
• Note your deductible for water damage claims.
• Ask your insurance agent about optional endorsements.
• Keep a copy of your policy in a safe, dry place.

Sewer backups are a common cause of water damage, especially in older neighborhoods. Most standard policies exclude this peril, but you can often add it as an endorsement for a small extra premium. This coverage pays for cleanup and repairs when sewage backs up into your home.

Without this endorsement, you might pay out of pocket for a messy and costly cleanup. Check your policy to see if sewer backup is listed as an exclusion. If it is, ask your insurance agent about adding it before a problem occurs.

If water damage occurs, act quickly to stop the source, like turning off your water main, and move valuables to a dry area. Document the damage with photos before any cleanup begins. Then contact your insurance company to file a claim and ask about next steps.

Local water damage pros can help with inspection and cleanup, but you handle your insurance claim directly with your insurer. Keep a log of all communication and any expenses you incur. Policies vary, and your insurer decides what is covered.