Hello how may I help you? I need some information on a policy I have. ok what is your policy number? It is homeowner's 12347 i see that policy here I need to know if I have protection against water damage. your policy does NOT cover water damage Yikes! That's not good. I thought it did. How do I get water damage coverage? you can add it for $45 a month Can I get that added right now, effective today? yes starting now