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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.

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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.

Reach out to a certified water restoration 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. 

These include:

  • 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.
  • How does the water damage restoration process work?
    Experiencing a home flood or fire is stressful. That’s why we try to make the water damage restoration process as easy as possible for our customers. Step 1: You call us Our 24/7 dispatch team will ...
  • Why should I call a flood damage expert?
    Our flood damage cleanup crews are IICRC certified. It is crucial that you hire a certified restoration company in Dallas. Drying water incorrectly can lead to property damage or mold growth in the ...
  • What is the cost to repair water damage in Dallas?
    The cost of water damage varies from each project, because each scenario is unique. With that said, property owners in Dallas can expect to pay around $350-5,000 for cleanup and repairs. The three ...
  • What are the signs of water damage?
    Standing water is an obvious sign of water damage, but there are also other signs you should look out for. Other signs include musty odors, wood rot, ceiling stains, warped wood floors, and crumbling ...
  • Should I file an insurance claim or pay out of pocket?
    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 ...
  • Do I have to pay up-front?
    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.
  • How long will it take to dry my house?
    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.
  • Can I try cleaning up some of the water myself before you get here?
    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 ...

Tips & Tricks When Filing Your Claim

What To Do When Filing Your Claim

  1. Prevent additional damage
  2. Record proof of water damage
  3. Review your insurance policy

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.

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