Does Homeowners Insurance Cover Water Damage in Greenwood, Indiana?

Water damage is one of the most common and costly issues homeowners face in Greenwood, Indiana. From burst pipes to sump pump failures, water can wreak havoc on your home—and your wallet. But does your homeowners insurance policy cover it? The answer depends on the source of the water and the type of coverage you have.

At Wexford Insurance, we help Greenwood homeowners understand their policies and find the right coverage to protect against unexpected water damage. Here’s what you need to know.

What Water Damage Is Typically Covered?

Most standard homeowners insurance policies cover sudden and accidental water damage, such as:

• Burst pipes

• Leaking appliances (dishwasher, washing machine)

• Water heater failure

• Accidental overflow from sinks or tubs

If the damage is sudden and not caused by neglect, your policy likely covers repairs and cleanup.

What’s NOT Covered?

Unfortunately, not all water damage is covered. Common exclusions include:

• Flooding: Water from outside sources (heavy rain, rivers, groundwater) is not covered by standard homeowners insurance. You’ll need a separate flood insurance policy.

• Sewer Backup: Many policies exclude sewer or drain backups unless you add an endorsement.

• Gradual Leaks: Damage from slow leaks or poor maintenance is typically excluded.

Optional Coverage to Consider

• Flood Insurance: Required if you live in a flood zone, but smart for anyone near waterways.

• Water Backup Coverage: Protects against sewer or sump pump backups.

• Extended Replacement Cost: Ensures you have enough coverage for major repairs.

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How Greenwood Homeowners Can Protect Their Homes

Indiana weather can bring heavy rain and storms, making water damage a real risk. Here are a few tips:

• Install a sump pump and backup battery.

• Regularly inspect plumbing and appliances.

• Consider adding water sensors for early leak detection.

  
  

Ready to Review Your Coverage?

Don’t wait until water damage happens to find out you’re not covered. At Wexford Insurance, we work with top-rated carriers to make sure Greenwood homeowners have the right protection at the best price.

Click here to get your free homeowners insurance quote today or call us at 317-942-0549. Our local experts will help you customize your policy for complete peace of mind.