What's usually covered
Most homeowners policies cover water damage that is sudden and accidental. Common examples include:
- A burst or frozen pipe
- A water heater that fails and leaks
- A washing machine or dishwasher hose that breaks
- Rain coming in through a roof damaged by wind or a fallen tree
What's usually not covered
- Flooding. Water rising from outside — storm surge, overflowing rivers, or heavy rain pooling around your home — is usually excluded. That coverage comes from separate flood insurance.
- Slow leaks and neglect. Damage from a leak that went on for weeks or months is often denied as a maintenance issue.
- Sewer or drain backups, unless you've added a specific endorsement to your policy.
- Mold, which is often excluded or capped at a low limit unless it resulted from a covered water loss.
Hurricanes and wind in Eastern NC
Many policies in coastal North Carolina have a separate hurricane or windstorm deductible. It's often a percentage of your home's insured value rather than a flat dollar amount, which can mean a much higher out-of-pocket cost. Look at your declarations page so you know your number before a storm hits.
How to file a water damage claim
- Stop the water if you can do it safely — shut off the main valve.
- Take photos and video of the damage and the source before anything is moved.
- Prevent further damage. Policies generally require you to take reasonable steps, like getting water extracted and drying started. Keep receipts.
- Call your insurance company and get a claim number.
- Keep damaged items until the adjuster has seen them, if possible.
We work directly with your insurance company throughout the claims process, including moisture readings and photo documentation adjusters look for.
Common questions
Does homeowners insurance cover a burst pipe in North Carolina?
Usually, yes. Sudden and accidental water damage like a burst pipe is typically covered, though you'll pay your deductible and the cost of fixing the pipe itself may not be included.
Is flood damage covered by homeowners insurance?
Usually not. Flooding from rising water outside your home generally requires separate flood insurance.
Should I start cleanup before the adjuster comes?
Generally, yes. Most policies require you to prevent further damage. Document everything with photos first, then start water extraction and drying, and keep receipts.