There may come a time when your washing machine’s drainpipe backs up, causing water to spill into your home. This can happen for several reasons, including a clogged sewer line, excessive lint buildup, a faulty air trap, or old plumbing components.

Many homeowners wonder whether flood insurance will cover damage caused by an overflowing washing machine drain. Maple Mountain Insurance Services in Mapleton, UT explains what you need to know.

Washing Machine Water Damage

Water from a washing machine drainpipe is not considered floodwater. Because of this distinction, flood insurance usually does not apply to damage caused by washing machine malfunctions. Flood insurance is designed to cover specific events such as rising water from natural causes, melting snow, or other similar perils.

While it is unlikely that flood insurance will cover this type of damage, the exact terms vary by policy. Your insurer can confirm whether any exceptions apply.

Sudden and Accidental Damage

A key question is whether the water damage is classified as sudden and accidental. Water from storms or heavy rainfall that leads to flooding is considered sudden and accidental, which is why flood insurance applies in those cases. However, a washing machine drain problem may be viewed as a maintenance or wear-and-tear issue rather than a sudden accident.

If the washing machine drains back up due to floodwater entering your home as a result of a storm, your insurance may respond differently. This is why it is important to ask your insurer how your policy would apply in specific situations.

Maple Mountain Insurance Services Is at Your Service

Flood insurance can be difficult to navigate because it is highly specialized coverage. There is no need to feel overwhelmed. Call 801-396-3900 to speak with the team at Maple Mountain Insurance Services in Mapleton, UT for helpful guidance and a personalized flood insurance quote.