Water damage can strike at any time, especially during the rainy season. Whether it’s a burst geyser, a leaking pipe, or storm-related flooding, the aftermath can be stressful and expensive. That’s why understanding what your home and contents insurance covers is essential.
Does insurance pay out for water damage?
The short answer is yes, but it depends on the cause.
At OUTsurance, water damage is typically covered under both buildings insurance and contents insurance, provided the damage is sudden and unforeseen.
Here’s how it works:
- Buildings insurance: Covers structural damage to your home caused by events like burst pipes, geyser leaks, or stormwater flooding. This includes walls, ceilings, floors, and built-in fixtures.
- Contents insurance: Covers your personal belongings — such as furniture, electronics, and appliances — if they’re damaged due to a covered water-related event.
However, gradual damage due to poor maintenance (like a slow leak that’s been ignored for months) may not be covered. That’s why regular home maintenance is key.
Remember house cracks works the same as water damage. A claim will only be valid if the crack is caused by a sudden and unforeseen event. Cracks that appear because of subsidence or poor workmanship during the building proses or renovations is not a sudden and unforeseen event. This falls within maintenance that is the responsibility of the homeowner.
How to claim for water damage
OUTsurance makes the claims process as smooth as possible. If you experience water damage, follow these steps:
- Act quickly: Stop the source of the water if possible and prevent further damage.
- Document the damage: Take clear photos or videos of the affected areas and items.
- Report the claim: Log your claim via the OUTsurance app, website, or call centre.
- Get help fast: OUTsurance’s Help@OUT emergency service can dispatch plumbers or other service providers to assist immediately.
- Assessment and payout: A claims assessor will evaluate the damage, and if approved, OUTsurance will arrange repairs or reimburse you.
With OUTsurance, you’re not just getting cover, you’re getting real help when it matters most.
Is water damage considered accidental damage?
This is a common point of confusion. Let’s clear it up:
- Accidental damage refers to sudden, unexpected events — like a pipe bursting or a child knocking over a fish tank.
- Maintenance-related damage is wear and tear or neglect — like a leaking roof that hasn’t been repaired for months.
OUTsurance policies typically cover accidental water damage but not damage due to lack of maintenance. You can opt for Accidental Damage Cover as an add-on to your policy for broader protection, but wear and tear due to neglect will still not be covered. This is especially useful for tenants or homeowners with high-value items.
Read more about what is covered under Home insurance
Get cover that cares with the right insurance
Water damage can strike when you least expect it, but with the right insurance, you won’t have to face it alone. OUTsurance offers comprehensive buildings and contents cover, a hassle-free claims process, and emergency support when you need it most.