Water Damage Insurance Law and Legal Definition

Water damage insurance refers to protection provided in case of accidental discharge, leakage, or overflow of water from plumbing systems, heating, air conditioning, and refrigerating systems, rain or snow through broken doors, open doors, windows, and skylights resulting in damage or destruction of the property scheduled in the policy. Water damage may not be covered if the damage resulted from the homeowner's negligence or failure to maintain home repairs. Generally, water damage is part of the homeowners insurance.

Filing water damage insurance claims should be done as soon as the damages are experienced. The insurance company should be notified about the damages that are being claimed. Objections about the insurance company can be filed as a complaint with the state insurance commissioner.