In most cases, sudden and accidental water damage is covered by standard homeowners insurance — but gradual damage and flooding are often not. Knowing the difference helps you protect your claim.
What's Usually Covered
Standard policies typically cover water damage that is sudden and accidental, such as a burst pipe, an overflowing washing machine or water heater, or a storm-driven roof leak. If the cause was abrupt and unexpected, there's a good chance it's covered.
What's Often Not Covered
- Gradual damage from a slow, long-ignored leak or lack of maintenance.
- Flooding from outside — storm surge, overflowing bodies of water, or heavy surface runoff — which usually requires separate flood insurance.
- Sewer backups, unless you have a specific sewer-backup rider.
How to Protect Your Claim
- Act quickly. Insurers expect you to take reasonable steps to prevent further damage. Calling a professional right away is exactly that step.
- Document everything. Photograph and video the damage before cleanup.
- Keep records of what was damaged and any emergency repairs.
- Use a company that documents professionally — photos, moisture readings, and adjuster-ready reports.
We Handle the Paperwork
A good restoration company documents the loss the way adjusters expect and can bill your insurer directly, so you often pay only your deductible. Always confirm details with your own policy and agent.
Dealing with water damage in Queens right now? Our IICRC-certified crews are available 24/7, usually on-site within the hour.
Call (347) 594-1175