Will insurance cover appliance leaks or overflows?
FAQ: Will Insurance Cover Appliance Leaks or Overflows?
It’s one of the most common calls we get:
“My washing machine overflowed—will my insurance cover it?”
The short answer?
Often, yes—but it depends on how the leak happened.
What Homeowners Insurance Typically Covers
If the leak or overflow was sudden and accidental, you’re probably covered. That includes:
A burst water line on your dishwasher
A washing machine overflow that soaks your laundry room floor
A water heater that failed and flooded the area
As long as it was an unexpected incident—not something you knew about and didn’t fix—most standard homeowner policies will pay for the water damage to your floors, walls, and ceilings.
What’s Usually Not Covered
Insurance companies tend to deny claims when:
The leak was slow and happened over weeks or months
The damage could’ve been prevented with maintenance
The appliance had an obvious issue that wasn’t fixed
We’ve seen policies exclude coverage when there’s mold growth due to an ongoing leak or corrosion around fittings that clearly didn’t just start.
Bottom line?
If it looks like neglect, you may be on the hook.
How We Help You Through the Insurance Process
At Total Home Water Restoration, we don’t leave you guessing.
We:
Document the damage from the start (photos, moisture readings, etc.)
Create an insurance-ready report with cause and scope
Work directly with your adjuster so you don’t have to
Make sure your claim is filed with the right terminology and evidence
We’ve been in hundreds of homes across Grove City and Columbus. We know what insurers are looking for, and we make sure your case is clearly documented from day one.
No guesswork. No frustration. Just honest help.
Quick Tips if You Have an Appliance Leak Right Now:
Shut off the appliance and water supply.
Take pictures of the appliance, leak area, and any visible damage.
Don’t throw away broken parts or the appliance yet.
Call us right away: 380-246-1837
We’ll guide you on next steps and help prevent more damage.
FAQ Recap:
Q: Will insurance cover appliance leaks or overflows?
A: Often, yes—if it was sudden and accidental. Long-term, unnoticed leaks due to poor maintenance are usually not covered. We’ll help you document and explain the cause clearly to your adjuster.
Need help with cleanup or an insurance claim?
Contact Total Home Water Restoration
📍 4141 Hoover Rd, Grove City, OH 43123
📞 380-246-1837
