Don Griffin of the Property Casualty Insurers Association of America, a trade association said that Water damage and homeowners policies can be a volatile issue in many ways and generally, the damage caused by water or by water damage will be covered, but whatever causes the damage - say, a leaking dishwasher hose - may not be. Therefore, although your insurer might pay to replace your damaged carpet by your dishwasher leak, you must pay to replace or repair the hose. If for example ,a sudden unforeseen problem such as your frozen pipe or hose leads to water damage, your homeowners insurance covers both the repairs to the broken pipe and to your home and your furnishings.

Here are some several common water damage scenarios you can look and as well as their insurance consequences.

Water damage scenario No. 1: your water pipes freeze and burst and your floor is now covered in 6 inches of water. Which was caused by the temperature drops to 10 below zero,

Are you covered then to insurance? Yes, you are covered then for water damage from your burst pipes, but most policies won't cover you if you have left your house unoccupied and without heat. Your claim could be denied if that's the case, because you have failed to perform the necessary upkeep that would prevent the accident caused by it.

Water Damage Scenario No. 2: your manicured lawn is ruined by water leaks from your backyard pool, and flooding your basement.

Are you covered then for insurance? Your basement and your personal property in it are covered, but not the damage to your lawn. For your lawn is a different story.

Water Damage Scenario No. 3: Your washing machine overflows and floods your basement.

Are you covered then for insurance? Yes, however, the extent to which you are covered depends on your insurer's view of the problem like did you fail to maintain the washer properly, or did sudden, unforeseen damage cause the flood?

Scenario No. 4: your basement has been flooded by a sewer backs up.

Are you covered then? The answer is no, you are not covered. The Standard policies do not cover it.

Scenario No. 5: When water seeps from your ground into your own basement, damaging your foundation and interior.

Are you covered then for insurance? No also because your seepage problem is considered your maintenance problem and not a "sudden and accidental" damage, and is excluded from your insurance coverage.

Scenario No. 6: water leaks through your roof during a heavy rainstorm. Your roof is damaged, as is furniture.

Are you covered then for insurance? Somewhat covered. Though you might not be reimbursed for roof repairs, because that is your house-maintenance issue, the water damage to your home is covered. It is likely covered if you have the standard H0-3 homeowners' policy, but not if you have the HO-1.

If for example something more drastic leads to the leak of your roof (your neighbor's tree falls on the roof, for example), the damage to your roof, home and belongings is covered then.