Is my water damage covered?
Answer five quick questions and see how policies usually treat your kind of water damage, plus what to do next.
Question 1 of 5
Where did the water come from?
A pipe, appliance or water heater broke suddenly
A slow leak that went on for weeks or months
The roof leaked during a storm
A sewer or drain backed up, or the sump pump failed
Rain or rising water came in from outside
Is water still coming in?
Yes, it's still leaking or wet
No, it's stopped
Have you reported it to your insurance company?
Yes
Not yet
Has anything been wet for more than two days, or do you see or smell mold?
Yes
No
Not sure
What kind of policy do you have?
Homeowners
Condo
Renters
Not sure
This checker gives general information, not legal advice or a coverage decision. Only your policy and your insurance company decide what is covered.
Water coming in?
Talk to a local water damage crew now
No obligation to hire. A local crew can help stop the water and start drying. Homeowners only.
(800) 555-0100Got it. A local water damage company will call you shortly.
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