The short answer
Slow leaks are the most-denied home water claim. Most HO-3 policies exclude 'continuous or repeated seepage of water over 14 days or more' — insurers use moisture readings and material staining to age the leak. Sudden leaks (pipe burst, appliance hose failure) are covered. Hidden Water Damage endorsements ($40–$100/yr) restore coverage for concealed slow leaks up to $10K–$50K.
Frequently asked
- What if I couldn't see the leak?
- The 14-day exclusion typically applies regardless of visibility unless you have a Hidden Water Damage endorsement.
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