Water damage can lead to costly repairs and potential health hazards. Identifying it early can save you time, money, and stress.

Common sources of water damage

• Leaky appliances—Washing machines, water heaters, ice makers, and dishwashers
• Roof damage—Clogged gutters and missing shingles
• Foundation grading—Poor drainage or surface grading that allows water to seep into the foundation
• Plumbing problems—Loose fittings, older pipes, and regular wear and tear

What water damage looks like

• Stains and discoloration—Look for brown, yellow, or copper-colored stains on walls, ceilings, and floors.
• Peeling or bubbling paint—Moisture behind walls can cause surface irregularities.
• Warped surfaces—Warping or buckling floors, walls, or ceilings is a common sign of water damage.

Telltale signs of a water leak

• Musty odor—A persistent musty or moldy smell can be a strong indicator of hidden water leaks.
• Mold growth—Visible mold or mildew, especially in areas that should be dry, often indicates a water leak. Mold can be black, green, white, orange, or pink.
• Increased water bills—A sudden spike in your water bill without increased usage may suggest a hidden leak.

How to prevent water damage

• Conduct regular inspections—Look closely at pipes, hoses, and appliances to catch leaks early.'
• Find your water shut-off valve—Every home has a main water shut-off valve that stops the flow of water into the home. Knowing where this is located before a burst pipe or other water emergency can help prevent extensive water damage.
• Clean gutters and downspouts— Regular maintenance can help prevent water from pooling around the home’s foundation.
• Check roof and windows after storms—Look for evidence that water has entered the home around windows and check the roof for missing or loose shingles.

We’re here to help

It’s important to understand how your insurance responds to water damage. Depending on your policy, certain claims—such as preventable issues or losses from excluded events like sewer backups—may not be covered.

That’s why it’s critical to speak with a qualified insurance professional. They can review your current coverage, identify any gaps, and help you find the right coverage for your home.

This infographic is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. ©2025 Zywave, Inc. All rights reserved.