According to the Insurance Information Institute, sudden and accidental water damage is defined as damage that occurs unexpectedly and as a result of an identifiable event. This type of water damage is typically covered by homeowners insurance policies.
Some common examples of events that could cause sudden and accidental water damage include:
-A broken pipe or hose
-A leaky appliance, such as a washing machine or dishwasher
- Heavy rains or storms that cause flooding
- A clogged toilet or sink that overflows