Hello how may I help you? Does my policy cover water damage Thanks for contacting insurance chat. I can definitely help with your detailed policy information regarding water coverage. Give me a moment. Ok, my kitchen flooded I'm sorry to hear about your flooded kitchen! Unfortunately your policy does not cover water damage at this moment. Do you need to speak with our representatives? Yes, my kitchen flooded and I can't believe it won't be covered We are always hear to help. Give me a moment and I will have one of our agents call you to determine what can be done regarding your policy. Ok, can I get the coverage added? This type of information varies state by state so I cannot give you a detailed answer at the moment. I live in California Okay, you should be able to get that added to your policy excluding special circumstances. Can I help you with anything else today?