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Homeowners insurance often covers water leaks and resulting damage, but coverage depends on the cause. Leaks from sudden and accidental events, like a burst pipe or storm damage to a roof, are typically covered. However, if the leak is due to a lack of maintenance, homeowner negligence, or general wear and tear (such as an old roof failing), the claim will likely be denied. Some causes, like flooding or leaks from faulty appliances, may be excluded from standard policies. After taking steps to stop the leak, contact your insurance company immediately and review your specific plan to understand your coverage.

You’ll have to look around the house to find different sources of a hidden leak. Check for water under the sinks in the kitchen, bathrooms, and utility rooms. Look at your bathtubs, showers, and toilets, including inside the toilet tanks. Puddles can form around your water heater, so take a good look around it. Inspect appliances like your washer, dishwasher, and refrigerator as well. Look for stains on the walls and ceilings, and listen for drips and running water.

Low water pressure is the most common problem with showerheads. Whether it’s due to scale and calcium buildup, clogs, age, or damage, poor showerhead spray costs you time and a relaxing experience. If your showerhead is in good condition except for buildup or clogged holes, try cleaning it with a scale or calcium remover. If the showerhead is old, rusty, cracked, or damaged, it’s time to replace it.

That pesky faucet leak can have a few different causes, most of which are standard wear and tear that occurs over time, but that doesn’t make it any less annoying, especially when the energy bill hits:

• Old washer: A deteriorated washer or gasket is the most common cause of a leak. Luckily, it’s easy and affordable to fix.

• Old packing nut: There’s a chance the packing nut (located beneath the handle) is loose and simply needs tightening, or it has been worn down, stripped, and needs to be replaced.

• Freezing temperatures: The water sitting in your spigot over winter can freeze, expand, and lead to damage and leaks.

• High water pressure: High water pressure is hard on pipes over time and can cause cracks and leaks, too.