Insurance guide
Does homeowners insurance cover water damage?
The answer depends on the source, speed, and wording of your policy. Most Arizona HO-3 policies cover sudden and accidental water damage from plumbing and appliances — but exclude gradual leaks, maintenance failures, and flood from outside rising water.
Usually covered
Insurance is designed for unexpected events, not deferred maintenance. These scenarios are commonly covered (minus your deductible):
- Burst pipes and sudden plumbing failures
- Appliance hose failures (washing machine, dishwasher, ice maker)
- Accidental overflow of a fixture (e.g. bathtub left running)
- Wind-driven rain entering through storm-damaged roof or window
- Fire suppression water damage
Usually not covered
Carriers routinely deny or limit:
- Gradual leaks (slow pipe drip behind a wall for months)
- Seepage through foundation or poor grading
- Sewer backup — unless you bought a specific endorsement
- Flood from rising groundwater or wash overflow (needs NFIP flood policy)
- Mold that existed before a claim or from long-term humidity
Your duty to mitigate
Every policy requires you to take reasonable steps to prevent further damage after a loss. That means professional drying, not waiting for the adjuster. Failure to mitigate is a common partial-denial reason.
FastDry starts documentation and drying immediately — strengthening your claim while protecting your home.
Common questions
- Is a slab leak covered?
- Often yes if sudden and accidental. If the insurer determines years of slow seepage, they may deny. A plumber's report on failure mode matters.
- Does insurance pay for water damage restoration?
- Covered losses typically include emergency mitigation — extraction, drying equipment, and removal of unsalvageable materials — under dwelling coverage.
We document everything and guide your claim
Describe what happened. FastDry dispatches a vetted crew, captures the loss, and coordinates with your adjuster — free for homeowners.
Dispatch a crew