Is Water Heater Damage Covered By Homeowners Insurance?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   Some water damage is covered, while others are not. If the water damage is the result of a burst water pipe in your house then the policy will probably cover repairs. If the source of the water is outside your home, as in a flood, coverage is excluded unless you have a flood policy. If the source of water is a back-up in the sewer it can be covered in your homeowner’s policy if you purchase the appropriate additional coverage.

   Answered on September 22, 2014

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