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Does auto insurance cover water leaks?

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Things to remember...

  • Water leaks are generally not covered by insurance
  • You will have to identify that an accident occurred that caused the roof or another component to leak
  • Whether you’re covered will depend on your coverage and your insurance company

Water leaks are unique because it involves water leaking into your car. Leaks could happen suddenly as a result of a storm or develop slowly over time.

You will want to look at the kind of coverage you have on your policy as well as why the leak is occurring. Auto insurance might not cover the damages, so you need to look at ways to cover yourself.

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The Cause of the Leak


Water isn’t meant to get inside of a car. However, there are certain makes and models where it might be slightly easier, especially if there is a moonroof.

You have to look at how the water is getting into the vehicle. Some of the most common reasons include:

If the water is entering your car because of a storm or other accident, then you might be covered. This possibility will depend on the kind of coverage you have on your policy.

If you have a water leak because you left a window or the moonroof open, then insurance would deny the claim. This damage happened because of negligence.

You should always try to be proactive. For example, if you know that there is a flood warning in your area, keep your car in a garage if possible.

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What’s the level of damage?

The level of damage is going to be taken into consideration as well. If you only have a small amount of water, you should still report it so a claim can be opened.

You will take your car down to get inspected and the insurance company will determine if they are going to accept your claim. They will then establish the cost of the repairs.

If there is a lot of damage, such as what would happen over weeks, then your claim might be denied because insurance companies have a set amount of time for claims to be filed.

You cannot expect the insurance company to pay for water leaks if you have allowed it to go on for longer than necessary. The damages might be extensively more than if you had reported the water leak the first time you noticed the water coming into your car.

How to File a Claim for Water Leaks


If you have a water leak, you need to file a claim with the insurance company as soon as possible.

If the leak is a result of the weather, then comprehensive coverage will be needed on your policy.

This type of coverage is what covers against the “non-driving” related incidents that might occur, including:

  • major storms
  • floods
  • hailstorms

If you don’t have this kind of coverage, your claim will most likely be denied.

Comprehensive coverage isn’t a state requirement. It might be required by a lienholder, however. You can add the coverage to a policy and get quotes from multiple companies to see what the cost impact will be.

Often, adding the coverage will only be a small amount of money added to your monthly premiums.

Once you know more about the kind of insurance you have, it will make it easier to determine if you even can file a claim. If the water leak is due to your own negligence or you don’t have the coverage, then you don’t have to file a claim with insurance.

The repairs would be your own financial responsibility. Depending on the damage, this cost to repair could be hundreds or thousands of dollars.

Water leaks may or may not be covered by auto insurance. The best thing to do is be proactive with protecting your car.

If the damage is weather-related, then you might be able to get the repairs paid for. Comprehensive coverage is a necessity if you want to try and have a claim approved for water leaks.

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