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Does your homeowner's insurance cover water damage?

Many a distraught homeowner has had to deal with water damage only to find out that their home insurance policy does not cover the damage. Here's how to make certain that you are not caught in that position.

Avoid water damage

Proper home and appliance maintenance is the best prevention to water damage. Have your heating, cooling and water heater serviced regularly. Don't leave an appliance such as a dishwasher or washing machine running while you're out of the house for a long period. Check occasionally under the sinks for leaks and that the pipes are dry. Stay in the room while filling a bathtub, it fills faster than you think.


Get regular inspections of plumbing and drain systems. Whenever the plumber is at your home, ask him or her to check on all the plumbing. Turn off the water supply to outdoor spigots before the first freeze of winter. Make certain all drains are clear and operating.

Repair any leak promptly. Even minor drips can grow into bigger problems, possibly hiding pipe leaks or worse, plumbing issues behind a wall. Mold and mildew issues usually stem from undiscovered and unrepaired leaks because it needs moisture to grow.

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