Water leaks, as seen by countless contractors, can wreak havoc on even the most robust homes. It’s surprising but true: can water damage concrete foundation? Yes, persistent leaks can lead to cracks and weaken the foundation, jeopardizing your home’s structural integrity. And can water damage granite? While known for its resilience, granite can suffer etching or staining from standing water, affecting its appearance and usefulness.

This is where hoeowners insurance becomes crucial. Does homeowners insurance cover water damage? Generally, yes, but it depends on the cause. Sudden, accidental leaks like burst pipes are usually covered. Does homeowners insurance cover water damage from a leaking roof? Typically, yes, if your roof was well-maintained. However, damage from gradual wear and tear might not be covered.

Here’s where hurricane insurance comes in. This separate policy covers hurricane-related damage, including wind and rain that cause roof leaks and subsequent water damage. Does hurricane insurance cover water damage? If a hurricane damages your roof, leading to interior water damage, hurricane insurance would likely cover the repairs.