Does Homeowners Insurance Cover Water Damage in Tennessee

Coverage depends on your policy, so always read yours or ask your agent. Here are the common patterns for Tennessee homeowners.

Often covered

Sudden and accidental water damage, like a burst pipe, a failed washer hose or a water heater leak.

Often excluded

• Flooding from surface water or rivers. Flood coverage is separate, through the NFIP or private insurers.
• Sewer or drain backup without an endorsement.
• Long-term leaks, rot and wear.
• Mold beyond any policy limits.

Clarksville context

After the May 2010 flooding in Middle Tennessee, many homeowners learned their policies did not include flood. If you live near the Cumberland or Red River, ask about flood coverage.

Where to learn more

The Tennessee Department of Commerce and Insurance has consumer guidance. See also our insurance claim guide.

Need help now?

If water is already in your home, these pages explain the next step: water damage insurance claim help, flood cleanup in Clarksville, sewage cleanup in Clarksville. Or start at our [water damage restoration Clarksville TN](/) page and call (555) 010-0000.