When your well starts to run dry, you might notice reduced water pressure, sputtering faucets, and/or sediment in the water. The pump might run, but fail to draw water. It’s rare for a well to run dry permanently. Once the water table is recharged by rainfall, you should have water again.

What is water damage coverage?

Water damage insurance is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage. Water damage insurance does not cover damage resulting from the homeowners’ negligence or failure to maintain the home in good repair.

Does rain fill your well?

While your well is a 6” hole in the ground, it is not directly replenished by rainfall, as you might expect a cistern to function. With less rain, or changes in aquifer structure, the well becomes non-water bearing – i.e. dry. Your well may not ‘fill up’ when it rains, but it does reap the indirect benefits.

Can a homeowners insurance policy cover water damage?

Homeowners insurance covers water damage from rain sometimes, but not always. That’s because the line between ‘flood’ and ‘water damage’ is a gray area. For instance, if you have an old roof that ends up leaking into your kitchen, homeowners insurance might cover the interior damage,…

Can a homeowners insurance claim be filed if a well runs dry?

Unless your well ran dry due to an issue covered by your insurance policy. If your natural spring was damaged by a named peril such as fire and your water source ran out, you could be able to file a claim for financial backing to replace your water source.

Can a well pump be covered by home insurance?

Some houses rely on well pumps for water because there’s no access to city water pipes. But are home well pumps covered by homeowners insurance? Some do and some don’t, and it’s important to know where your policy falls on the issue, including special exceptions that might make your coverage ineligible.

Do you need homeowners insurance for a well?

Covering your well may be necessary to you and if your homeowners insurance doesn’t cover them, a separate policy will be needed for coverage. If your well is protected, you can boost your coverage with a home warranty.