Does Homeowners Insurance Cover Water Damage?

Water damage to your home may or may not be covered by your insurance, depending on your specific policy. 


Not all types of water damage are covered. Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowners insurance. If the water comes from outside your home, it will not be covered by your standard policy (unless you have a separate flood insurance).


It’s best to get in touch with your insurance provider directly to confirm what is and isn’t protected by your current policy.

How Much Does It Cost To Repair Water Damage?

Every case of water damage is unique and it’s difficult to predict the cost. It varies a lot depending on the severity of the damage to your property.


The sooner you find and report a problem, the sooner the experts start a restoration process, the less it will cost to repair the damage. Contact us immediately if the unfortunate event of water damage has happened to your property! We’re open 24 hours 7 days a week for emergency response.

How Long The Water Damage Restoration Take?

Unfortunately, there’s no straight answer to this question. The amount of time it takes to repair water damage depends on many circumstances. Some cases of water damage can be easily repaired in less than a day, while other severe instances will require up to a few weeks to be completely restored.


The biggest factors are the size of the affected area and the amount of time the damage has been present. For example, if you catch a small leak right away, usually we can repair it within the same day. But if your basement floods for several days and you don’t realize it until the water has completely soaked through your drywall, the process will definitely take longer. 

How To Prevent Water Damage?

Sometimes water damage is inevitable, like when a massive storm strikes with little warning. But there are steps you can take to prevent your home or business from being damaged in the first place.


 •  Inspect, clear, and replace hoses going to and from washing machines, dishwashers, water heaters, and refrigerators.


 •  Make sure water supply lines are clear and open. If they run under other objects, make sure they are not crimped or pinched.


 •  Regularly check for cracks and leaks. It doesn’t take a large opening in your roof, ceiling, or walls for water to get through and cause damage. If you notice anything that looks unusual, get it checked out immediately!


 •  Clean your gutters at least twice a year. If water can properly drain from your roof, the chances of it building up and leaking into your home are quite small.


 •  Keep your sump pump in working condition. It’s also a good idea to have a backup sump pump in case something goes wrong with the first one.


 •  Make sure your yard allows water to drain away from your home. Certain types of landscaping can help reduce the risk of a flood damaging your home by helping water drain away and out of your yard.


 •  Prevent frozen and burst pipes

How To Prevent Frozen Pipes?

Frozen pipes can cause a severe water damage to your property. When water freezes, it expands, creating pressure that causes your pipes to burst open. You might not notice at first because the ice is held in place, but when the temperatures warm up again, all that frozen water will melt and leak into your space.


When freezing season comes remember to follow this few simple steps to prevent lots of costly damage:


 •  Maintain proper heat in your building.


 •  Make sure that there is warm air circulating in any area where there are water pipes. This includes garages and unheated areas of your home or business.


 •  Insulate pipes, particularly those outside or on the perimeter of the building.

Do not hesitate to contact Water Cleanup Experts with any of your questions or concerns about water damage! 

in Erie & Niagara Counties, NY

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