HyreRestore
Find Restoration Help

HyreRestore tools

Is it covered, as a typical HO-3 bucket

Sudden supply-line water is usually a homeowners peril. Flood is usually not. Sewer backup is usually an endorsement. Gradual seepage is usually excluded. This page names the bucket. Only the policy and the carrier decide.

Flood ≠ HO-3 water from outside is a different policy Standard homeowners policies generally exclude flood. Separate cover is commonly written through the National Flood Insurance Program. A restorer cannot convert an excluded peril into a covered one.

Pick what happened. A burst supply line is typically covered as sudden accidental discharge. Overflow from an appliance, if sudden, is typically covered. Seepage and groundwater are typically excluded. Sewer backup and sump overflow typically need endorsements. Wind-driven rain is typically covered if the storm created an opening. This is not a coverage determination.

What happened

A typical-HO-3 bucket, not your policy. Nothing is emailed.

— Typical treatment
— What to do next
— What this is not

What this assumed —

Typical HO-3 treatment, not a coverage determination. HyreRestore does not adjust claims and is not an insurer.

Questions this calculator answers

Does homeowners insurance cover water damage?
Sudden accidental discharge from a plumbing or appliance failure is typically covered under HO-3. Gradual seepage, flood, groundwater and sewer backup (without an endorsement) typically are not. Read the declarations page.
Is flood covered?
Usually not on a homeowners policy. Flood is a separate policy, often through NFIP.
Is sewer backup covered?
Typically only with a backup endorsement. It is easy to miss on the declarations page and expensive to discover after a backup.
Should I call a restorer before the insurer?
You have a duty to mitigate further damage. Reasonable emergency steps are expected. Calling a restorer is not the same as assigning your benefits. Be slow about that document.

Sources and methodology

Figures dated 23 August 2026. Last reviewed .

Related

  • Should I file? Covered and worth filing are two different questions.
  • Claim timeline Mitigate today. Reconstruction waits on a scope.
  • ACV vs RCV Covered still leaves depreciation and a deductible.

Find a local professional Back to the homepage