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?

Answer
“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.
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Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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