What is usually covered
Most homeowners policies cover water damage that is sudden and accidental. Common examples:
- A supply line, pipe or water heater that bursts.
- A washing machine or dishwasher hose that splits.
- Rain that gets in through a roof or window damaged by wind or hail in the same storm.
- A pipe that freezes and bursts, as long as you took reasonable steps to keep the house heated.
The policy usually pays to dry and repair the damaged parts of the house and, under contents coverage, to replace damaged belongings, minus your deductible.
What is usually excluded
- Flood: water that rises from outside, such as a creek, river or surface water flowing into the house. That takes a separate flood policy, usually through the National Flood Insurance Program.
- Sewer and drain backup: often excluded unless you added a water backup endorsement. This also commonly applies to sump pump failures.
- Slow leaks and wear: a drip under a sink that went on for months, rot, and long-term seepage are usually treated as maintenance.
- Groundwater seepage through basement walls or floors.
How to file a clean claim
- Stop the water and get a restoration company started. Most policies expect you to prevent more damage.
- Take photos and video before anything is moved or removed.
- Call your insurer and get a claim number.
- Keep receipts for anything you spend: hotel, meals, equipment, emergency repairs.
- Keep damaged items, or clear photos of them, until the adjuster says you can throw them out.
- Ask the restoration company for its moisture readings and photo log. That documentation helps when the adjuster reviews the job.
If the claim goes sideways
If you disagree with a decision, ask the insurer for the reason in writing and the specific policy language it relied on. The Kansas Insurance Department takes consumer questions and complaints about insurers licensed in the state.
This guide is general information, not legal or insurance advice. Your policy and your adjuster decide what is covered.
Related services in Lawrence
- Burst pipe water damage: Frozen and split pipes inside walls and ceilings, opened up and dried out.
- Sewage backup cleanup: Floor drain and toilet backups cleaned, disinfected and dried with proper gear.
- Storm and flood damage: Wind-driven rain, roof leaks and rising water after Kansas storms.