What Type Of Water Damage Is Covered By Homeowners Insurance? 
Not all ! Accidental discharge of water and its attendant damages is normally covered . This means when there is an accidental discharge of liquids or steam from the plumbing , heating or air-conditionaing the loss is a covered loss . It is very important to understand what is not covered . Flood is one of the most common causes of loss in the US and the homeowner 's policy does not cover it . Water back up such as from a blocked sewer line is not a covered loss -LRB- some companies offer the coverage as an option . -RRB- When there is repeated or continuous seepage or leakage from a system in the house that is not covered . 