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Will my homeowner's insurance pay for water damage?
Am I covered for the water damage my leaky toilet caused? The toilet has been making that running sound recently, but it hasn't been an issue. When I came home from work yesterday, my entire house was flooded with a few inches of water! It turns out that somehow my toilet overflowed and since no one was home to stop it, it caused a lot of damage. Will this be covered?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Water damage is typically excluded from most homeowners policies, but there are times when water overflow damage from sinks and tubs are covered.
Only your adjuster would be able to give you a definite answer.
If the adjuster determines that the toilet malfunctioned and flooded due to wear and tear, they will not cover the claim. Since you mentioned the toilet has been running in the past, this does suggest that a valve may have needed replacement.
If, however, the damage from the toilet is deemed sudden and accidental, then the damage will be covered.
If you are questioning the cost of your insurance policy, it is time to re-shop both your
home and auto insurance
policies. By bundling your auto and home insurance, you can save with a multi-line discount. Use the free
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- Gregory R.
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