Does insurance pay for water mitigation?

In many cases, standard homeowners insurance will help pay for water mitigation when the damage is sudden and accidental, such as from a burst pipe, appliance failure, or an unexpected roof leak. The policy usually covers reasonable emergency services needed to prevent further damage, like water extraction and structural drying. However, it typically will not cover problems caused by long-term neglect, existing leaks you failed to fix, or groundwater seepage. You are usually responsible for your deductible, and coverage limits or exclusions will still apply. Because every policy is different, it’s important to call your insurance company immediately, open a claim, and review your specific coverage with your adjuster.