What Water Damage Is Covered by Insurance?
If you’re dealing with water damage, one of the first questions you’ll ask is: “Is this covered by insurance?” At BlueHaven Water Damage & Restoration, we’ve worked with every major insurance carrier in Boise and the Treasure Valley. This guide breaks down what’s typically covered — and what’s not.
✅ Covered Water Damage (Most Policies)
Most standard homeowners insurance policies cover water damage that is:
- Sudden and accidental
- Caused by a covered peril (like a burst pipe or appliance failure)
Examples of covered damage include:
- Burst pipes during winter freezes
- Washing machine, dishwasher, or water heater leaks
- Toilet overflows (if not due to neglect)
- Roof leaks caused by a covered storm
- Ice dams leading to interior water intrusion
❌ Water Damage That Is NOT Covered
Homeowners insurance usually does not cover:
- Gradual leaks: Long-term drips or ongoing seepage
- Poor maintenance: Damage from neglect or ignored issues
- Flood damage: Water from rising rivers or storm surge (requires separate flood policy)
- Mold damage: Unless it’s directly related to a covered water loss
- Sewer backups: Unless you have added water backup coverage
Special Cases to Review in Your Policy
- Mold coverage: Some policies offer limited mold remediation (often $5,000–$10,000 caps)
- Flood insurance: Typically purchased separately through FEMA or private carriers
- Sewer backup endorsements: Optional add-on for homes with finished basements
It’s smart to speak with your insurance agent annually to review your specific coverage.
How BlueHaven Helps with Coverage Questions
We don’t just clean up the mess — we also:
- Help identify the cause of water damage
- Take photos and moisture readings for your claim
- Work with adjusters and help you avoid denials
- Explain what’s covered and what’s not before work begins
Service Areas We Help With Insurance Claims
We assist homeowners in:
Still Not Sure If You’re Covered?
Call (208) 279-2505 or contact us online. Our Boise-based team can quickly assess your situation and work directly with your insurer to determine next steps.