Dealing with water damage can be overwhelming — and worrying about how you'll pay for repairs adds even more stress. One of the most common questions we hear is: "Will my homeowners insurance cover water damage?"


The answer is: it depends on the cause of the damage and the details of your policy.

When Water Damage Is Usually Covered

Most standard homeowners insurance policies will cover water damage if it is sudden and accidental, such as:

• A burst pipe
• A washing machine overflow
• Sudden roof leaks from storms
• Accidental discharge from plumbing or appliances

In these cases, insurance typically covers repair costs for both the cause and the resulting damage.

When Water Damage Is Not Covered

Homeowners insurance typically does not cover:

• Flood damage (requires separate flood insurance)
• Neglected maintenance (slow leaks, seepage)
• Backed-up drains or sump pump failures (unless you have added specific coverage)

That's why it's critical to understand your policy — and to take preventive steps against common causes of water damage.

We Work With Your Insurance

At America Restorations, LLC, we have experience working directly with insurance companies and can help guide you through the claims process after water damage in Odenton, MD.

If your home has suffered water damage, call America Restorations, LLC today — we’re ready to assist with restoration and insurance coordination to get your life back on track quickly!