Direct answer
It depends on the cause of the leak; damage from a sudden, internal plumbing failure may be covered, but damage resulting from external surface water seepage or groundwater flooding is usually excluded.
Review of standard peril definitions regarding ‘accidental discharge or overflow’ vs. ‘surface water’ exclusions in property insurance contracts. For additional information about standard homeowners policy coverage and exclusions, see the Insurance Information Institute‘s guide to property insurance basics.
What this means for you
It depends on the cause of the leak; damage from a sudden, internal plumbing failure may be covered, but damage resulting from external surface water seepage or groundwater flooding is usually excluded.
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