How To Claim Water Damage With Home Insurance? 
To claim water damage with your homeowner 's insurance , simply contact your company and explain to them that you have water damage and that you would like to file a claim . But one thing to keep in mind is that not every type of loss associated with water is covered by a homeowner 's policy . Most water losses that are covered happen suddenly -LRB- burst pipe , washing machine overflow , etc. -RRB- and are not from slowly developing things -LRB- slow dripping pipe -RRB- . Things like floods and tidal water are not covered under a homeowner 's policy and require coverage from a separate flood insurance policy . The best thing you can do for a loss related to water is mitigate the damages as quickly as possible , and prevent any further damages from occurring . Thanks for asking ! 