![]() Prevent further damage if you can and if it is safe to do so.To make a water leak insurance claim through your home and contents insurance, you can follow these steps: ![]() Many home insurance policies also cover loss or damage caused by flooding or storms as a standard or optional inclusion. ![]() However, policies may not cover the actual cost of repairing or replacing the item that the water escaped from (like fixing a broken pipe). If you want to know what kinds of water damage you can claim for on your home insurance, it’s worth reading your policy document and product disclosure statement (PDS), as this will explain what you will and won’t be covered for.įor example, some policies cover the cost of finding the cause of the water damage if the source is unclear. How do you know what water damage you’re covered for? That means you generally won’t be covered if the water damage is caused by wear and tear or gradual water damage that you could have reasonably been aware of.Įxamples of situations where water damage might not me covered could include gradual water leakage or damage caused by rust, corrosion, mould or mildew. It is important to understand, though, that when it comes to making a successful claim for water damage, insurers will typically only cover an escape of liquid if it is sudden or accidental. This typically covers you for loss or damage caused by water leaking, bursting or overflowing from appliances, fixtures or plumbing. Does home insurance cover water damage?Īt the time of writing, all home insurance policies on Canstar’s database include ‘escape of liquid’ as a standard inclusion. Your home could also be water damaged by external events like floods and storms. This includes water leaking, bursting or overflowing from appliances like your fridge, dishwasher or washing machine, as well as things like drains, pipes, baths, sinks and toilets. There are a number of ways that your home and contents could be damaged by water. So whether you’re dealing with a burst pipe or you have a leaky dishwasher on your hands, here’s a closer look at how to make how to make a successful water leak insurance claim in Australia. Water damage is one of the most common home insurance claims made in Australia.
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