What Water Damage Insurance Typically Covers
If you’ve experienced water damage in your Draper home, you might assume insurance will take care of everything—but not all water damage is covered equally. At EcoRestore Water Damage & Restoration, we help you understand your policy so you’re never caught off guard.
What Water Damage Is Usually Covered?
Most standard homeowners insurance policies cover sudden and accidental water damage. Common covered scenarios include:
- 💧 Burst pipes or frozen pipes
- 🚽 Overflowing toilets, tubs, or sinks (not due to neglect)
- 🌀 Appliance malfunctions like washing machines or dishwashers
- 🌧 Roof leaks from a covered weather event (e.g., storm)
- 🔥 Water used to extinguish a fire
What’s Usually Not Covered?
Insurance typically does not cover water damage caused by:
- 🌊 Flooding: Requires a separate flood insurance policy
- 🐌 Gradual leaks: Like a slow drip under a sink over time
- 🚫 Lack of maintenance or neglect
- 🧼 Sewer or drain backups: Unless you’ve added a special rider
- 🦠 Mold: If caused by long-term issues the homeowner failed to fix
Optional Add-Ons That May Help
Depending on your carrier, you may be able to add extra protection:
- Sewer and drain backup coverage
- Flood insurance (through FEMA or private providers)
- Service line protection for underground pipes
Water Damage Claim Scenarios (Covered vs. Not Covered)
| Scenario | Usually Covered? |
|---|---|
| Frozen pipe bursts in winter | ✅ Yes |
| Storm damages roof, causes ceiling leak | ✅ Yes |
| Old pipe leaks over months, unnoticed | ❌ No |
| Basement floods from rising groundwater | ❌ No (requires flood insurance) |
| Toilet overflows suddenly | ✅ Yes |
How EcoRestore Helps
We work with Draper-area insurance providers and adjusters daily. Our team documents damage, provides accurate estimates, and supports you from claim to completion. We also help you understand what restoration services your policy includes.
Serving Draper and Neighboring Areas
We assist with insurance claims and covered repairs in:
Not Sure If You’re Covered?
Contact EcoRestore or call 385-289-3588 for a free damage assessment and insurance support. We’ll help you make the right call.