Some water damage exclusions include flood damage, sump and water backup damage, groundwater seepage and damage resulting from earth movement. That means your house structure is covered for all problems unless it’s specifically listed as an exclusion in your policy. The most common type of homeowners insurance is an HO-3 policy, which provides “all risks” coverage to the structure of your house. Your homeowners insurance policy will include a list of covered problems, called perils, and exclusions. How to check your policy for water damage coverage
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