When it comes to insurance, you must believe that common definitions of any issue will not be found in your policy. In general, the insurance companies will sell your flood insurance but they would not be very keen on counting real floods in their policies and pay a claim for it. Your homeowners insurance will also be containing some or the other provisions for water damage. In general, they consider sudden and gradual water damage in their insurance policies. We will be talking about sudden water damage in this case. Most of the policies define it as a kind of water damage that was sudden and unexpected without any fault of the homeowner. If it is your fault, it will never be considered for an insurance claim.
It is to be understood that the definition of sudden water damage is quite vague, confusing and every limited in nature. Every company follows a different kind of water damage definition because of which it becomes more difficult to describe. Ideally, you will not be finding out the right definition of water damage in your homeowners insurance policy only when you file a claim. Most of the times, it will be sudden or accidental in nature and the owner should not be at fault. Unfortunately, natural disasters and flood fit into this definitely but are never really covered under these policies. In case you need insurance against floods, you will have to opt for a separate flood insurance policy.
Sometimes, people believe that leaky pipes can also be covered under sudden water damage. However, this is not the truth. In general, leaky pipes cause damages over time. Though they may seem sudden to you, they are not really that sudden. In order to understand the policy, you should be making sure that you read all the terms and conditions carefully. In case you are unable to understand the provisions of your policy, you should be calling your insurance agent and discussing it with him. In general, it is better to understand the policy beforehand or you will be surprised when you find your claim to being denied by the issuance company.
The sudden water damage conditions, as mentioned above, will change from company to company. Therefore, you must make sure that you always go on and understand your policy in a better way. It will really be helpful for you later.