A sudden puddle under your washer. A soaked carpet. Warped baseboards. And the sinking realization that the damage might be more than just surface-level. If you’ve found yourself in this situation, you’re not alone—and you’re likely wondering how to file a washing machine leak insurance claim without getting buried in red tape or denied coverage altogether.
At Alliance Adjustment Group, we’ve helped hundreds of homeowners and property managers navigate this exact scenario. In this article, we’ll break down exactly what you need to do after discovering a leak, what your policy is likely to cover, and how working with a public adjuster can make all the difference. Whether you’re dealing with standing water in your laundry room or slow seepage that’s gone unnoticed for weeks, this guide is for you.
What Causes a Washing Machine to Leak?
Not all leaks are treated equally by insurance providers. That’s why understanding why your washing machine leaked can have a big impact on your claim.
Common causes include:
- Burst or cracked hoses – One of the most frequent culprits. Rubber supply hoses degrade over time and can suddenly fail.
- Drainpipe clogs or disconnects – These can lead to water spilling out during the drain cycle.
- Worn-out seals or valves – Over time, seals around the door, pump, or water inlet can loosen or break.
- Improper installation – A washer installed without proper leveling or drainage can leak after only a few cycles.
- Internal malfunctions – Electrical issues or faulty internal parts may cause the machine to overfill or overflow.
Some of these issues, like sudden hose failure or mechanical malfunction, are more likely to be covered under homeowners insurance than long-term maintenance neglect. And that’s where things can get complicated when filing a washing machine leak insurance claim.
Is a Washing Machine Leak Covered by Homeowners Insurance?
In many cases, yes. But the details matter. Homeowners insurance generally covers sudden and accidental water damage—meaning something happened quickly, without warning, and you couldn’t have prevented it.
This includes:
- A burst hose that damages flooring
- An internal washer part that fails, spilling water everywhere
- Water damage from a washer that unexpectedly overflows during use
However, most policies do not cover damage resulting from:
- Long-term leaks that went unnoticed
- Mold buildup from slow drips
- Wear and tear due to lack of maintenance
So if your washer leaked because a 15-year-old hose finally gave out, your insurer might push back, claiming neglect. That’s why it’s critical to document everything, respond quickly, and get help if you feel you’re being treated unfairly during your washing machine leak insurance claim.
What to Do Immediately After Discovering a Leak
Timing and documentation can make or break your claim. Here’s what to do, step-by-step:
1. Stop the water at the source
Shut off the water supply valves behind the washer. If water continues leaking, shut off the main water valve to your home.
2. Unplug the washer and ensure safety
Avoid stepping in standing water if the washer is still connected to power. Safety comes first.
3. Take photos and video
Document everything: water on the floor, affected walls, damaged furniture or flooring, and the source of the leak if visible.
4. Contact your insurance provider
You’ll typically need to file a claim as soon as possible. But be cautious with your wording—don’t speculate or admit fault until the situation is fully evaluated.
5. Call a public adjuster
This is where Alliance Adjustment Group comes in. Before cleanup crews start removing evidence, it helps to have a licensed public adjuster assess the damage and represent your interests. Especially when your washing machine leak insurance claim involves multiple rooms or significant water spread.
Common Mistakes That Can Hurt Your Claim
If you’re handling this on your own, these are the pitfalls we see most often:
- Delaying the claim – Waiting too long to file or clean up can be used as grounds for denial.
- Throwing away damaged items too soon – Keep all damaged materials until an adjuster documents them.
- Failing to mitigate damage – You are responsible for stopping additional damage (e.g., mold growth), so don’t ignore wet flooring or standing water.
- Assuming your insurance company is fully on your side – They are there to protect their bottom line. You deserve someone in your corner.
A public adjuster ensures your washing machine leak insurance claim is built on solid evidence and backed by a complete, well-documented estimate.
Why Work With a Public Adjuster?
Insurance policies are written in legal language that’s not always easy to interpret. A public adjuster’s job is to read your policy carefully, understand your exact coverage, and prepare a claim that aligns with your rights as a policyholder.
At Alliance Adjustment Group, we don’t work for your insurance company—we work for you. We’ve helped homeowners throughout Bucks and Montgomery Counties recover full compensation for water damage caused by washing machine leaks, often uncovering coverages they didn’t know they had.
Here’s what we bring to the table:
- Thorough inspections that catch hidden or secondary damage
- Detailed estimates using industry-standard software
- Full policy review so no part of your coverage is overlooked
- Claim negotiation with your insurer to secure a fair payout
- Peace of mind during an already stressful time
Whether it’s warped wood floors, saturated drywall, or water-damaged baseboards, your washing machine leak insurance claim deserves attention to detail—and someone to advocate on your behalf from day one.
Serving Homeowners in Bucks and Montgomery Counties
As a locally trusted public adjusting firm, we know how insurance companies operate here in Pennsylvania. From Doylestown to Lansdale, Horsham to Warminster, we’ve been helping families and property owners in Bucks and Montgomery Counties file successful water damage claims for over 20 years.
If you live in the area and are dealing with a washing machine leak, don’t wait to find out what your policy does—or doesn’t—cover. Let us help you get a clear, honest answer from the start.
You Don’t Have to Do This Alone
A washing machine leak can feel overwhelming—but it doesn’t have to ruin your week, your floors, or your finances. Your insurance policy exists to protect you—but the process of filing a washing machine leak insurance claim can be frustrating and confusing without the right support.
That’s where we come in.
Contact Alliance Adjustment Group Today
If you’re facing a washing machine leak—or any kind of water damage in your home—don’t go it alone. Alliance Adjustment Group has helped homeowners across Bucks and Montgomery Counties recover faster, with less stress and better outcomes.
Disclaimer:
The information provided on this website is for general informational purposes only and does not constitute legal advice.
While we strive to provide accurate and up-to-date information, insurance policies and regulations can vary. It is important to consult with your specific insurance provider or a qualified professional for advice tailored to your individual circumstances.