The short answer
It depends on the cause. A standard HO-3 policy covers your dwelling against many causes of loss unless they are excluded. That makes sudden and accidental water events, such as a burst pipe, an overflowing washing machine hose or a failed water heater, usually covered. But the policy also excludes gradual leaks, flood and sewer backup unless you have added coverage.
Usually covered
- Burst or frozen pipes and sudden plumbing failures.
- Appliance overflow or discharge, such as a dishwasher, washing machine or water heater.
- Water from a roof opening created by a covered storm; see water damage from rain and roof leaks.
- Reasonable emergency mitigation costs to prevent further damage.
Usually not covered
- Flood and storm surge, which needs NFIP or private flood coverage.
- Long-term seepage or leaks that went unrepaired, and wear and tear.
- Sewer or drain backup unless you added an endorsement.
- Mold, often limited or excluded; see mold and insurance.
- The failing pipe itself; policies often pay for resulting damage, not the repair of the broken part.
FEMA explains the flood insurance program at fema.gov/flood-insurance.
Florida-specific limits to watch for
Some Florida carriers, including Citizens Property Insurance Corporation on certain policies, limit coverage for non-weather water damage unless you agree to use a managed-repair program. Limits and terms change, so read your declarations page and endorsements for current figures rather than relying on any article, including this one. Hurricane deductibles are usually a separate percentage of dwelling coverage.
Condo owners and tenants have different responsibilities; read condo and renters coverage.
What about a home warranty?
A home warranty covers repair or replacement of listed appliances and systems when they break from normal use. It does not typically pay for the water damage that follows. It is not a replacement for homeowners insurance.
What to do after a loss
- Stop the water and call a restoration company; see what to do first.
- Photograph the damage and report the claim quickly. Our step-by-step claim guide covers the details.
- Keep receipts, mitigation records and moisture logs.
This article is general information, not legal or insurance advice; your policy language controls. For help with documentation after a covered loss in Miami, Tampa, Orlando or elsewhere, call our emergency team.
Frequently asked questions
Does homeowners insurance cover water damage?
It generally covers sudden and accidental water damage, like burst pipes or appliance failures. It generally does not cover flood, gradual leaks or maintenance issues.
Does home insurance cover water damage restoration costs?
Often yes for a covered loss, including reasonable mitigation and drying costs, after your deductible. Check your policy's limits and exclusions.
Does a home warranty cover water damage?
Usually not. A home warranty covers repair of listed systems and appliances, not the resulting water damage to your home.
Is flood damage covered by homeowners insurance?
No. Flood requires a separate NFIP or private flood policy. Storm surge and rising water are typical flood causes.