Hello how may I help you? can you answer a policy question for me? Okay, What policy do you want information on? does my home owner's policy cover water damage? No. Your policy does not cover water damage. we had a massive rain storm and now all my stuff is wet, what should i do? Your insurance can't help on this one, Maybe you can crowdfund some help from your friends and family to cover repair costs how about flood damage, does my policy cover that? No your policy is for fire only alright, i guess that will have to suffice Hope things work out for you