Dady Insurance Blog

A question many people with homeowners insurance in Austin ask is: will my insurance provider pay for water damage in the home? The usual answer is that damage from burst water pipes or exploding water mains that causes sudden damage to the home is normally covered. However it’s important to note that damage caused by water from a natural disaster such as a flood may not be covered, particularly in flood-prone areas, as flood insurance is not generally included in homeowner policies and may have to be bought as a separate policy.

However water damage that is caused by a leaky shower for example, over a number of months or years, causing damage to the floor, is unlikely to be covered as this could be considered a home maintenance issue. In this instance the insurer may well consider that the damage was caused by the negligence of the home owner and therefore would not come under the terms of the policy.

Therefore it is important to take immediate action when you detect water damage in your home. Should the problem be a leaking pipe, take steps to prevent any more water escaping and call a professional to do repairs as soon as possible. Document any lasting damage done — through photographs if necessary — and alert your provider of homeowners insurance in Austin as soon as you can.

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