How To Claim Water Damage With Home Insurance? 
Start by talking with your Insurance Professional about the coverage and limitations of your particular policy . Provide a good discription of the damage and if possible , the cause . I say if possible because while it is fairly easy to pin point a failed valve or pipe , it is harder to find the source of water that may have come in through the roof . Your Insurance Professional will be able to advise you about your deductible and help to report the loss to your Insurance Company . Your assigned Claims Professional will investigate the loss and determine coverage under the terms and conditions of your policy . 