While many insurance packages are simplistic, the information can become difficult to understand when it comes to water damage. Though many companies offer different insurance protection, certain types of water damage are almost universally covered or not covered.

Unfortunately, many insurers do not cover some natural disasters like floods. However, most companies will cover internal water issues, like burst pipes or leaking roofs and windows. Here, our experts at Kiser Construction will discuss the different types of water damage and if they typically can be covered by insurance.

What is Typically Covered By Insurance?

In most insurance plans, many types of water damage are at least partially covered. Typically, water damage is covered if it stems from within your home and is completely unexpected. Some of the water damages covered include:

Rain and Snow

Typically, water damage from rain and snow is covered under a different part of your policy. Because these are usually caused by extreme weather, they can be claimed under the storm protection aspect of your insurance plan.

Plumbing Faults

If your pipes burst due to weather, negligence from the installer, or old age, it is usually covered by insurance. Additionally, if an appliance such as a washer backs up, it can be covered and extended to personal items like your dining room table or kitchen rugs.


Additionally, if you find mold in your home and the build-up was caused by neglect or poor maintenance, it will not fall under typical policies. But it has developed in the walls, floors, or roof from accidental damage, and there's no proof of neglect; the insurance may cover the repairs.

Efforts to Put Out Fire

Almost all insurance plans offer fire protection for you and your family. If your home or property is damaged in a fire, the water that comes from the sprinklers and firefighters is completely covered under fire protection.


If your home is broken into and the plumbing is damaged somehow, it may be covered on your insurance plan. The general rule is that if the water damage is accidental and sudden, it will be covered, so as long as there is proof that the issue wasn’t from prior damage, it will most likely be covered.

What is Typically Excluded From Insurance?

Though many types of water damage are covered by insurance plans, there are a select few that are excluded. Some of these include:

Flood Damage

No basic insurance plan includes flood insurance. You need to go through different companies to get the certification to qualify for flood insurance. Floods not covered do not include those from pipes and other incidents inside your home. Soaked soil, property, rising rivers, lakes, as well as some instances of a heavy downpour, are not usually covered.

Sewer Backup

If there is sewer backup from a flood or other incident that creeps into your home, it is typically not covered. However, some agencies offer different stipulations to cover the coverage gap for these types of incidents.

Our team at Kiser will work with your insurance company to ensure you get the coverage you deserve. To learn more, contact us today.

Are You Underinsured?

Insurance companies have limits on what is covered in the policy, and being underinsured can be costly if a disaster strikes. Undervaluing the property or underestimating your local environmental risks are two ways to be underinsured.

So, reviewing your policy is recommended because this will ensure you have the right plan and coverage for unexpected emergencies like water damage.

Contact Kiser Construction Today

If you are in the Twin Cities metro area and your home has suffered water damage or a different disaster, contact our team at Kiser Construction today. With our help, we can ensure you get the coverage and repairs you need at a price you can afford.

We are your advocate from the first day, to when we finish your restoration project. Our customer service sets us apart from our competitors, and we are the best choice for your needs. If you are interested in learning more about our services, give us a call at 763-633-2010 or message us on our contact page today.

If you are in need of 24/7 emergency services, call our emergency line at 612-518-8852.