Does insurance pay for drying?
Often, if the loss is covered. A sample Allstate homeowners policy, for example, says the insurer will pay the reasonable cost of necessary measures taken solely to protect covered property from further damage (Allstate sample policy). Wording varies, so read your policy's section on reasonable repairs or duties after a loss.
General information
This page explains how homeowners insurance generally works, using state insurance regulators' guides. Your policy wording controls. Call your insurer or agent about your claim.
Am I required to prevent more damage?
Yes. Georgia's insurance commissioner says to make reasonable repairs to prevent further damage and keep receipts for that work (Georgia OCI). Washington's insurance commissioner warns that delayed repairs can lead to denied coverage (Washington OIC).
When is the water damage itself covered?
Sudden, accidental water usually is: a burst supply line, a snapped ice-maker line or an overflowing dishwasher. Gradual leaks, groundwater and damage that develops over more than a couple of days often are not (Washington OIC). Georgia's insurance commissioner says a standard homeowners policy does not cover damage from flooding (Georgia OCI).
What records should I keep?
- Photos and video before cleanup starts.
- The failed part, such as a hose or fitting.
- Receipts for anything you paid for, including equipment rental.
- The drying company's moisture readings and equipment logs.
Common questions
Do I need my insurer's approval before drying starts?
Prompt drying is usually expected. Notify your insurer right away and keep records of the work.
Can I pick the drying company?
Georgia's insurance commissioner says only the insured can authorize repairs and choose the contractor.
Does insurance pay if mold grows?
Mold coverage is often limited, and usually only applies when it results from a covered loss.
Related guides
Sources
- Allstate sample homeowners policy: reasonable repairs and duties after loss
- Georgia Office of Insurance and Safety Fire Commissioner: Insurance Before and After a Disaster
- Georgia Office of Insurance and Safety Fire Commissioner: safety tips for severe weather
- Washington Office of the Insurance Commissioner: leaks, water damage and mold
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.