What Types of Water Damage Are Covered by Insurance?

Experiencing water damage in your home can be stressful and confusing—especially when it comes to understanding what your insurance policy actually covers. At NYHR, we specialize in full restoration for NYC homes after water, fire, or mold damage. Here’s what homeowners need to know about water damage and insurance coverage.

Types of Water Damage Typically Covered by Insurance

Most standard homeowners insurance policies cover sudden and accidental water damage, such as:

• Burst pipes: A pipe that suddenly breaks and floods your home.

• Appliance leaks: Malfunctions from washing machines, dishwashers, or water heaters.

• Storm-related flooding (non-flood insurance): Rainwater entering through a broken window or roof.

Coverage usually includes the cost to repair the damaged structure, and in many cases, restoration of affected belongings.

Water Damage Often Not Covered

Insurance generally does not cover damage caused by long-term leaks or poor maintenance, such as:

• Gradual roof leaks

• Plumbing issues due to wear and tear

• Water damage from neglected maintenance

• Mold caused by unresolved leaks

Understanding these exclusions can prevent unexpected repair costs.

Steps to Ensure Your Claim is Approved

To maximize your insurance claim:

1. Document the damage immediately – photos, videos, and written notes help your case.

2. Contact your insurance provider as soon as possible.

3. Work with a professional restoration company like NYHR to assess and repair the damage properly.

Professional restoration ensures all structural, cosmetic, and hidden water damage is addressed—preventing long-term issues like mold or weakened foundations.

How NYHR Helps Protect Your Home

A full water damage restoration begins with thorough water extraction and drying, followed by structural repairs to ensure your home is safe and sound. Professionals also take steps to prevent mold growth and carefully restore furniture and personal belongings. By addressing both visible and hidden damage, full restoration not only repairs your home but also helps prevent future issues that insurance may not cover.

Local Considerations for NYC Homeowners

In NYC, older buildings, aging plumbing systems, and high rainfall can increase the risk of water damage. Professional restoration companies understand these local challenges and work closely with insurance providers to ensure a smooth claims process.

Final Thoughts

Water damage can be stressful, but knowing what’s covered by insurance and how professional restoration works can make a huge difference. At NYHR, we manage the entire process—from assessing damage to completing full restoration—so you can feel safe and confident in your home again.