Hello how may I help you? DO my insurance covers water damage? Can you tell me what kind of water damage you sustained Our tube line is broken. I'm looking at your policy and it seems that you declined water damage so no you will not be covered What should i do to regained it? Well after you fix this problem if you wish to pay an increase in premium we can add water damage back to your policy Okay It will be an extra $25 a month What are the material to be submitted? Okay. Just contact your insurance agent