What is commonly covered and what is not
| Cause | Typical treatment |
|---|---|
| Sudden burst pipe | Commonly covered |
| Appliance or water heater failure | Commonly covered for the resulting damage, not the appliance |
| Frozen pipe | Commonly covered if heat was maintained |
| Ice dam interior damage | Often covered |
| Slow leak over weeks or months | Commonly excluded |
| Sump overflow or sewer backup | Usually needs an added endorsement |
| Groundwater seepage or surface flooding | Usually excluded; flood insurance is separate |
This table describes common patterns. Policies differ. Read yours or ask your agent.
Documenting the loss
- Photos and video of every affected room before cleanup.
- A photo of the source: the failed pipe, hose or appliance. Keep the part.
- A list of damaged belongings with approximate age and value.
- Receipts for emergency expenses.
- Dates and times: when it was found, when the water was shut off.
Your duty to limit the damage
Most policies expect you to take reasonable steps to prevent further damage, such as stopping the water and starting cleanup. You do not have to wait for an adjuster’s visit before removing water. Photograph first, then act.
What a restoration company provides
We document the conditions we find and the work we perform. Your carrier decides coverage and payment. We do not promise that any loss will be approved.
The Minnesota Department of Commerce publishes consumer information on homeowners insurance and handles complaints about insurers.