Insurance

Will My Insurance Pay For Water Damage in My Home?

Your home insurance company will typically cover your water damage if it’s considered sudden and internal water damage. For example, a burst pipe, leaking appliances or plumbing problems would all be covered by your insurance.

What Insurance Typically Covers

If the source of the leak or flooding is inside your home, there’s a great chance it will be covered and protected by your water damage insurance.

  • Roof Leaks
  • Burst Pipes
  • Sewage Overflows
  • Toilet Overflows
  • Mold Remediation and Removal
  • Leaking Plumbing
  • Slab Leaks
  • Hot Water Heater Breaks
  • and More!!!

Reach out to a certified water damage professional or your insurance company to verify the specifics.

What It Doesn’t Cover

There are a couple of things that can disqualify you from having your water or flood damage covered by your claim. “Gradual damage” is a term used to represent issues that weren’t sudden or unexpected. For example, if you neglected to maintain or upkeep a toilet that overflowed in your home, there’s a chance your insurance will not cover the full amount of your water damage.

Damage from unsolved maintenance issues

Old or neglected plumbing can cause leaks that cause water damage and mold, that would be considered “neglect” by your insurer and won’t be covered.

Flooding

Rain water or water that floods your home isn’t covered in standard homeowners insurance. This includes, but isn’t limited to – rainwater, surging rivers, and drenched ground.

Sewage water or leaks

Most policies will not typically cover water leaking into your home from an outside water leak or sewage overflow.

Frequently Asked Questions

We restore properties affected by water intrusion, fire and smoke damage, mold contamination, sewage backups, storm damage, and other emergencies. Our technicians hold certifications in multiple restoration disciplines and utilize specialized equipment appropriate for each damage type.

Our emergency response teams remain available around the clock and typically arrive at properties within a few hours of receiving your call. Rapid response significantly reduces secondary damage and overall restoration costs.

We maintain established relationships with major insurance carriers and handle all documentation required for claim processing. Our team communicates directly with adjusters, photographs damage thoroughly, and provides detailed estimates that meet insurance requirements.

We provide restoration services throughout the Dallas-Fort Worth metropolitan area, including Dallas, Fort Worth, Plano, Frisco, McKinney, Arlington, and numerous surrounding communities. Our strategically located teams ensure prompt response regardless of property location within our service territory.

All technicians maintain current certifications from the Institute of Inspection, Cleaning and Restoration Certification and receive ongoing training in advanced restoration techniques. We invest significantly in professional development to ensure our team remains current with industry best practices.

Project duration varies based on damage extent, property size, and restoration requirements. Minor water damage might require three to five days, while extensive fire or flood damage could necessitate several weeks. We provide realistic timelines during the initial assessment.

We offer comprehensive content cleaning, pack-out, and secure storage services for belongings affected by property damage. Our climate-controlled facility protects your possessions while restoration work proceeds at your property.

Contact Regent Restoration immediately to begin the restoration process, then document damage with photographs if safe to do so. Avoid entering areas with structural concerns or contamination hazards, and do not attempt repairs without professional assessment.

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.