There are many causes of water damage that are covered most insurance policies.
Water damage can occur for a variety of reasons. Excess water in your home can come from pipes that burst or start to leak in your plumbing system, as well as from natural disasters such as hurricanes or flood. Household appliances can malfunction and cause water to accumulate in areas that might not be noticeable unless you are really looking.
When gutters and roof drains get backed up, the excess and pooling water can begin to cause serious damage. Septic tanks can overflow and cause raw sewage to spew into your crawlspace or home. Bathtubs and showers that are poorly constructed or need the grout replaced can permit water to seep through onto the tile and create mold and other unwanted effects. Let’s not forget shower pans, and pipe leaks, and toilet bowl wax seals that go bad.