Hello how may I help you? are you good with insurance policies? Yes I represent your insurance company. i had an accident do you know if the insurance covers the damage water damage to my house? Please provide more account details I need your account number and last two digits of your home address the pipe was blown away by a storm account is 123456 Okay I see the account. thanks it appears your current policy does not cover water damage. why? You have not paid for that premium.