Is Water Damage Covered by Homeowners Insurance in Idaho and Washington?

Many homeowners in Lewiston, Moscow, Clarkston, Pullman, Colfax and nearby areas wonder whether water damage will be covered by their insurance policy. The answer depends on the cause of the loss.
Water Damage That Is Usually Covered
• Sudden and accidental burst pipes
• Appliance failures such as water heaters, washing machines and dishwashers
• Accidental overflows from tubs, sinks or toilets
• Water used to extinguish a covered fire
Water Damage That Is Usually Not Covered
• Natural flooding from rivers or heavy rain without flood insurance
• Long‑term leaks and gradual damage
• Damage resulting from lack of maintenance
Why Proper Documentation Matters
Insurance companies require clear documentation of the cause and extent of the damage.
King Services provides photos, moisture readings and detailed reports to support your claim.
If you have water damage and need insurance‑friendly restoration, call King Services at (208) 746-4192.

