Water Damage Coverage Checker
Estimate whether your homeowners policy likely covers your water damage event.
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?
No — flood, 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.
Works directly with adjusters
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