Standard homeowners insurance policies typically cover the resulting sudden water damage caused by a leaking water heater (such as ruined hardwood flooring, warped drywall, and professional structural drying), provided the failure was sudden and accidental. However, standard policies explicitly exclude the cost of repairing or replacing the actual water heater unit itself, as ongoing wear-and-tear and aging equipment maintenance are considered the homeowner's personal responsibility. Verification: Review your policy declarations page and contact your insurance adjuster to report water damage losses.
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