Water Damage Coverage Checker
Estimate whether your homeowners policy likely covers your water damage event.
What this tool tells you
Answer what happened and it tells you which part of a standard homeowners policy the loss falls under, or whether it falls outside one entirely. The line that catches most people is the source: water that escaped inside the building is usually covered, water that came in from outside is flooding and needs a separate policy, and a sewer backup needs its own endorsement.
Water Damage Coverage Checker
Not legal advice. Coverage varies by policy, state, and carrier. Verify with your declarations page and agent.
Frequently Asked Questions
Does homeowners insurance cover all water damage?
NoFlood, groundwater, gradual leaks, and sewer backup (without endorsement) are commonly excluded.
What water damage is always covered?
Sudden and accidental internal water damage: burst pipes, sudden appliance failures, and wind-driven rain through storm-damaged roofs.
Who do I call right now for water damage?
Call (888) 840-6512. The line is answered 24 hours a day, seven days a week, and connects you with an IICRC-certified water damage restoration company that serves your area. Describe what you can see — where the water is coming from, how long it has been there, and whether it smells — the more specific you are, the faster the right company is on the line.
If the source is a pipe or an appliance, shut the main water valve first. Have four things ready and the call goes quickly: the address, when the water started, what is wet now, and whether you have filed an insurance claim.
Still not sure which of these is your situation? (888) 840-6512 · toll-free · answered 24/7
Need a contractor your insurer accepts?
Claims live or die on documentation. Crews that estimate in Xactimate and log moisture readings give adjusters what they need.
(888) 840-6512- Describe the loss and where the claim stands
- You're routed to a crew that documents for insurers
- They scope it in writing — you decide, no obligation