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Part 1: What Water Damage Is Usually Covered by Insurance?

Dealing with water damage is already stressful enough—then comes the question: Will my insurance cover this? As a restoration company that’s helped Georgia homeowners since 1970, Champion understands how confusing the claims process can be.

Here’s what you need to know:

Insurance usually covers sudden and accidental water damage, like:

• Burst pipes
• Leaks from dishwashers or washing machines
• Broken water heaters
• HVAC-related leaks

But it typically won’t cover:

• Slow leaks or unresolved maintenance problems
• Groundwater flooding (requires flood insurance)
• Sewer backups (unless you have extra coverage)