Insurance
Water Damage Insurance Claim Guide
What homeowners insurance typically covers, how to document your claim, and the questions to ask your adjuster.
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Quick Answer
Most homeowners insurance covers sudden, accidental water damage like burst pipes, but typically excludes gradual leaks and external flooding. Document everything with photos before cleanup, keep all receipts, and request moisture-log documentation from your restoration company to support your claim.
Filing Your Claim: Step by Step
- Contact your insurer to open a claim as soon as it's safe to do so — most policies require prompt notice.
- Take dated photos and video of all standing water and damaged items before cleanup begins.
- Keep receipts for any emergency mitigation (e.g., a plumber's after-hours callout) — these are typically reimbursable.
- Request that your restoration company provide moisture logs and an itemized scope of work for the adjuster.
- Avoid discarding damaged items until your adjuster has inspected them or approved photo documentation in place of physical inspection.
- Get a written estimate before agreeing to any repair or reconstruction work beyond emergency mitigation.
Frequently Asked Questions
Most policies cover sudden and accidental water damage, such as a burst pipe or appliance failure. They typically exclude gradual leaks, flood water from external sources, and sewer backups unless you carry a specific rider.
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