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Does A Home Warranty Cover Basement Flooding?

While home warranties vary by provider, they typically only cover home systems like furnaces and electrical lines. Unlike homeowner’s insurance, they do not provide comprehensive coverage.

A warranty protects against unexpected failures in your home systems, which means that if negligence is to blame for a failure, the damage is not usually covered. As a result, homeowners may need to provide maintenance records to their warranty company as documentation. Additionally, home warranties are limited in duration because they are only meant to cover new home systems for unexpected problems, not older systems experiencing predictable aging issues and inevitable failures.

Many home warranties do cover against plumbing pipes, but the damage that they cover may be capped at a certain dollar amount. As a result, protection against serious home damage from things like flooding may be quite limited. In other instances, direct damage like a broken pipe or flooring destroyed by leaking water may be covered, but secondary damage like mold growth may not be.

For specifics, check your individual policy or reach out to your home warranty company.

Disclaimer: This article is meant for informational purposes only and should not be constituted as legal advice or contract interpretation.

Additional resources:
Making an insurance claim for flood damage
How to recover after a basement flood
How much does flood damage cost?
Can a flood damage your furnace?
Are you responsible for flooding due to a sewer backup?
What should you use to clean up after a home flood?