This article was written by Mila Araujo and last updated on September 28, 2022. Thomas J. Catalano reviewed it and Lars Peterson verified its accuracy.
Common Questions About Water Damage: What Is Gradual Water Damage?
Frequently Asked Questions (FAQs) One of the most common reasons homeowners file insurance claims is water damage.
Water damage claims are the second most common type of insurance claim, after wind and hail damage, according to the Insurance Services Office (ISO).
One in fifty homeowners are affected by water damage claims each year, so it’s not surprising that there are a lot of questions about them.
What, for instance, is covered by your homeowner’s insurance, and why is “gradual damage” not included?
When you take into account the exceptions, things get even more complicated. Here is a look at some claims for water damage to show you which kinds of water damage homeowners insurance will cover or not.
Homeowners insurance generally covers water damage caused by sudden, unanticipated events like a bursting pipe or a faulty appliance.
Flood-related water damage is not covered by homeowners’ insurance. A separate flood insurance policy covers damage caused by the flood.
