Burst pipes that are behind a wall or under a sink, or a pipe such as the one to your clothes washer. This includes pipes that freeze and burst, but not if you intentionally turned the heat off in the house.
An accidental water leak from an appliance, like a hot water heater or dishwasher. But the repair of the broken appliance itself is usually not covered.
Water from storms such as heavy rain and hail.
Water damage that comes through the roof after a storm or tree damages the roof. But things change if there’s a question about lack of maintenance. A slow roof leak that wasn’t fixed is likely not covered, for example.
Water damage after a fire from water that was used to extinguish the flames.
