In most cases, homeowners insurance covers water remediation, mitigation, and restoration. There are some exceptions, however.

Most insurance policies cover water damage restoration services if frozen pipes burst, plumbing leaks occur, and appliances malfunction. However, if you neglect and poorly maintain your plumbing system they may exclude coverage on that basis.  Insurance companies may also refuse to cover water damage resulting from a sewer backup.

Therefore, it is imperative to regularly maintain your plumbing and appliances, to ensure full coverage of your insurance policy in case of water damage.

For peace of mind, check your policy details or contact your insurance agent.