It is imperative for checking the kind of water damage you are encountering with the concerned insurance company as water damage and flood damage are 2 different things to the officials. The former one includes everything else from broken pipes to leaking HVAC equipment while the latter one is caused by nature as well as impact more than a house. Though a majority of the house owner’s insurance policies cover water damage, flood damage is not covered by all. · Hire a public adjuster – The procedure for water insurance can take a bit of time as there are 15 days only for the insurance company to send you the adjuster, who will be examining the extent of the damage. Taking the help of a public adjuster is a better option, specifically, in case, your claim is large. A fair evaluation of the damage is done by them as well as they will only aim at looking for the damage’s cause, rather than focusing on concentrating on minimizing the payout of the insurance company.