Everyone’s insurance policies are unique, so it’s hard to answer this question generally; once we arrive and assess the damage, we will coordinate with your insurance company to determine their level of coverage. Here’s a good rule of thumb: If the water damage was sudden, accidental, and came from a pipe, appliance, or other feature inside your home, your standard homeowners insurance policy likely protects you. But, if the water damage came from an outside source or was caused by a repair you neglected to fix, you may not be covered. However, there are exceptions. If you live in a flood plain, you must have flood insurance, which should provide excellent coverage.