Coverage for water damage restoration depends on your specific homeowner's insurance policy and the cause of the damage. Typically, sudden and accidental water damage, such as from a burst pipe or a malfunctioning appliance, is covered by standard homeowner's insurance policies. However, damage caused by neglect or lack of maintenance, as well as flooding from natural disasters, may not be covered without additional flood insurance. It is best to contact your insurance provider to understand the specifics of your coverage. Our team at Water and Fire Damage Repair 360 can also assist you in documenting the damage and working with your insurance company to facilitate the claims process.