What Insurance Usually Covers

If the leak or flooding originates inside your home, there’s a strong likelihood it will be protected by your water damage insurance. Our experienced team can help you understand your coverage and guide you through the claims process from start to finish.

  • Roof Leaks

  • Burst Pipes
  • Sewage Overflows
  • Toilet Overflows

  • Mold Remediation and Removal

  • Leaking Plumbing
  • Slab Leaks
  • Hot Water Heater Breaks

  • And More

If you’re unsure whether your situation qualifies for coverage, our restoration specialists can evaluate the damage, explain your options, and work alongside your insurance provider to make recovery as smooth as possible.

What Your Insurance Doesn’t Cover

What Your Insurance Doesn’t Cover

While most water damage is covered under standard homeowner policies, there are certain situations that insurance typically excludes. These are often referred to as “gradual damage,” issues that develop slowly over time rather than from a sudden or accidental event. For instance, if an undetected leak or long-term plumbing issue leads to water damage, it may not qualify for full coverage.

Below are a few examples of what may fall outside standard insurance protection:

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Damage from Ongoing Maintenance Issues

Plumbing systems that have been neglected or poorly maintained can lead to slow leaks and mold growth. Because these are considered preventable, insurers often classify them as homeowner negligence and exclude them from coverage.

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Flooding

Water entering your home from external sources, such as heavy rain, overflowing rivers, or saturated ground, usually isn’t covered under a standard policy. A separate flood insurance plan is typically required for these types of events.

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Sewage Water or External Leaks

Most homeowner policies don’t include coverage for sewage backups or water entering from outside plumbing or drainage systems. Professional cleanup and prevention measures can help minimize damage and health risks in these situations.

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Frequently Asked Questions

You should absolutely try to clean up as much water if the water came from a clean source, such as a broken pipe. If there is sewage present or other hazards, you should wait for the restoration professionals to arrive.

Use towels, mops, and buckets to absorb the water.

This depends on how much water entered the building, the materials affected, and how long the water was present. With that said, it usually takes around 3-5 days.

No, the initial inspection is free. After that, we can typically bill your insurance company directly. You only have to pay what your deductible is once the work is completed.

This is ultimately up to you. We understand some people are hesitant to put another claim on their record. After we inspect the water damage, we can tell you whether it makes more financial sense to pay out of pocket or to file a claim with your insurance company.

Turn off the water source if safe, unplug electronics, and move valuables. Use towels for small spills, but avoid DIY for large areas, call professionals to prevent mold. For clean water only; wait for us if sewage is involved.

Minor cases: 3-5 days for cleanup/drying. Extensive damage: 1-4 weeks, including repairs. Factors like fire size or hail extent influence timelines, we provide estimates after inspection.

For damages over $1,000, yes, especially storms qualifying for deductibles waivers. We assess and advise to avoid unnecessary rate increases.

Averages $2,500-$7,500, depending on extent. Insurance often covers most; we provide transparent quotes.

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Tips & Tricks When Filing Your Claim

What To Do When Filing Your Claim

  • 1
    Prevent additional damage
  • 2
    Record proof of water damage
  • 3
    Sewage Overflows

What NOT To Do When Filing Your Claim

  • 1
    Throw stuff away
  • 2
    Make permanent repairs before contacting a professional
  • 3
    Be pressured to use insurance vendors

How The Claims Process Works

Water or fire damage usually only happens to a person once in their lifetime, so the claim process can be a new and confusing situation. Our experts will guide you through the process and work side-by-side with the adjuster to get you the best compensation for your losses.

Who To Hire To Repair Your Water Damage

Depending on your insurance, you might even qualify for property improvement upgrades. Here’s how we handle the insurance process:

  • We have a long-term relationship with insurance companies and we’ll represent your best interests.
  • We know how to properly document evidence and photograph proof of damage and we’ll send it the insurance company for you.
  • We’ll negotiate with your insurance company for the repairs, replacements, and restoration services you need.
  • We’ll work with them to see if you qualify for property upgrades.

How To Avoid Having Your Claim Denied

  • File your claim on time.
  • Provide sufficient documentation/evidence of the damage to prove your claim (we can help you do this).
  • Every policy lists exclusions, so double check to make sure the loss is covered.
  • Take steps to prevent further loss and mitigate the damage, but DON’T make permanent repairs yet.