Does Homeowners Insurance Cover Water Damage From Toilet Overflow

Water damage done to your property may or may not be covered by an insurance policy. It mainly depends on the cause of the damage and the terms of the policy.

As a general principle, the damage caused by something inevitable within the property is covered and that due to lack of maintenance or neglect is not.

However, it is not always easy to draw a line between what's covered and what's not.

When Does Homeowners Insurance Cover Water Damage From Toilet Overflow?

In most of the standard home insurance policies, the water damage that is sudden and internal is covered.

It means that if sudden and accidental tearing, cracking, burning, or bulging of a steam, heating, AC, or automatic fire protection system are the causes of damage, it will be covered.

Damages caused by an overflowing toilet are only covered if the overflow is due to a sump pump, drain blockage, or any other cause from within the building.

Does Homeowners Insurance Cover Water Damage From Toilet Overflow Always?

If a toilet overflow is caused by any of the following, the resulting damages are generally not covered by insurance.

  • Ground seepage
  • Water or sewer pipe backups
  • Flooding
  • Poorly-maintained pipes leading to leaks

Mold Caused by Water Damage - The Costly Part

Toilet overflow is not that much of a problem in itself. It leads to the propagation of mold on the floor and wooden surfaces.

Mold is not always covered by standard insurance policies. It can cost upwards of $30,000 to get mold removed from your property.

However, there are some cases where mold is covered by insurance. Let's see what those cases are.

When is the Damage Caused By Mold Covered by Insurance?

As a general principle any damage resulting from negligence or lack of appropriate action is not covered by insurance. The cases when mold is covered by insurance policy include:

  • If the water seepage is hidden and the homeowner could not possibly see it.
  • If a mold is caused by flooding, flood insurance will cover it.
  • Insurance agencies in the states with higher humidity like Florida and Louisiana cover mold damage.

How To Get Insurance Claim For Toilet Overflow

Water damage is one of the most tricky parts of any insurance policy. It is difficult to understand the terms of your insurance pertaining to it.

It can be nearly impossible for an average American to prove that their insurance policy does actually cover water damage.

You'll need the services of a professional for this.

Does Homeowners Insurance Cover Water Damage From Toilet Overflow? Let the Experts Assist you

You need the help of a public adjuster to get the proper claim money for water damage caused by toilet overflow. What do they do? Well,

  • They'll study your insurance policy to find out if the cause of damage in your case is covered by your insurance or not.
  • They'll prove to the insurance provider that your property did sustain the said damage by toilet overflow.
  • They'll follow up with your case and will make sure that you get the proper compensation and that you get it in time.

Where to find a Public Adjuster? ACI is here to help you!

ACI Adjustment Group Services

ACI Adjustment group provides assistance with insurance claim investigation in storm, fire, water damage, and all other common insurance claims. The services we provide include:
  • Insurance policy review to help you understand the terms and conditions of your insurance policy.
  • Evaluating damages that are covered under your insurance policy.
  • Proving the damages done to your property so that you get claim money according to the damage.
  • Following up with your insurance claim process to get it processed fast.

Contacting Us

If you want assistance in any property insurance related issue, you can contact us 24/7 via our toll free number 1-800-809-4302 or by filling in the contact form on our website or by sending us an email at