Hello how may I help you? I need to find out if my policy covers water damage. Of course, what is you insurance policy number? AJC 454545 Your policy does not cover water damage. Oh no. Well if I add it now, how much more would my premiums be? The area you live in does not offer water damage insurance currently. Oh. Well I guess there's nothing I can do then. Is water damage ever covered under some other part of the policy? Like some kind of general loss thing or something? Water damage from a leaky roof falls under your policy. Damage from a flood is not covered. Oh, that's great! I mean, it's not great but the damage was from my roof leaking. Is there anything else I can assist you with this evening? No that's all I wanted to know. Thanks for your help.