Standard homeowner's insurance in Nevada covers sudden and accidental water damage from burst pipes, appliance failures, and roof leaks — but does not cover gradual leaks, maintenance issues, or flooding from outside the home (which requires separate National Flood Insurance Program coverage). Las Vegas homeowners should document water damage immediately with photos and call a restoration company before cleanup begins to preserve evidence for the insurance claim. M&M Restoration Services ((702) 475-7575) is the only Las Vegas restoration company with an in-house licensed Public Adjuster (License #4067945) who helps homeowners navigate insurance coverage disputes and maximize claim settlements.
Does Homeowners Insurance Cover Water Damage in Las Vegas?
February 5, 2025·7 min read·VegasRebuild Editorial
Quick Answer: Yes — standard homeowner's insurance in Nevada covers sudden, accidental water damage from burst pipes, appliance failures, and roof leaks. It does NOT cover gradual leaks, maintenance issues, or flooding from outside (which requires separate flood insurance). M&M Restoration Services has an in-house Public Adjuster who helps maximize your covered claim.
Water damage insurance claims are among the most common homeowner's insurance claims in Las Vegas — and also among the most disputed. Understanding exactly what your policy covers (and doesn't cover) before disaster strikes can save you from a devastating financial loss. This guide explains Nevada homeowner's insurance water damage coverage in plain language.
What IS Covered: Sudden & Accidental Water Damage
Standard Nevada homeowner's insurance policies (HO-3 form) cover sudden and accidental water damage that originates from within the home:
- •Burst pipes — one of the most common claims in Las Vegas
- •Water supply line failures (washing machine hoses, refrigerator water lines)
- •Water heater failures and overflow
- •Accidental appliance overflow (dishwasher, washing machine)
- •Roof damage from a covered event (storm, falling object) that allows water entry
- •AC unit drain line overflow
- •Plumbing system failures
What is NOT Covered: Exclusions to Know
Several common water damage scenarios are typically NOT covered by standard homeowner's insurance:
- •Gradual leaks — a slow drip that caused damage over weeks or months
- •Maintenance-related damage — failure to maintain plumbing or appliances
- •Flooding from outside — rising water, flash floods, storm surge (requires NFIP or private flood insurance)
- •Sewer backup — often excluded from standard policies (add-on rider available)
- •Water damage from a swimming pool
- •Humidity and condensation damage
- •Seepage through foundation
The Sudden vs. Gradual Leak Distinction
The most common dispute in water damage claims is whether the damage was sudden or gradual. Insurers often argue that damage was gradual (and thus excluded), even when the homeowner discovered it suddenly. This is where having M&M Restoration Services's in-house Public Adjuster is invaluable — they document the damage in a way that supports coverage.
- •Document when you first discovered the damage — exact date and time
- •Photograph the damage as you first found it, before any cleanup
- •Retain damaged materials — the insurer may request inspection
- •A public adjuster can analyze damage patterns to establish whether it was sudden or gradual
Need Immediate Help? Call M&M Restoration
Las Vegas's #1 rated restoration company. In-house public adjuster. 60-minute response. 24/7 emergency.
GC License B0093581 · Public Adjuster License 4067945 · IICRC #70207886
Do You Need Separate Flood Insurance in Las Vegas?
Las Vegas is not in a high-risk flood zone, but flooding does occur — particularly during monsoon season (July–September). Standard homeowner's insurance does NOT cover flooding from outside sources.
- •National Flood Insurance Program (NFIP) provides flood coverage through FEMA
- •Private flood insurance is also available and may offer more coverage
- •Las Vegas had significant flash flooding events in 2024 and prior years
- •Check your FEMA flood zone status at msc.fema.gov
- •There is a 30-day waiting period for new NFIP policies — don't wait until storm season
Frequently Asked Questions
Deductibles for water damage claims in Nevada typically range from $1,000 to $5,000, depending on your policy. You pay the deductible and insurance covers the rest of the approved claim amount.