Does AAA Homeowners Insurance Cover Water Damage? 
Homeowner 's insurance varies a lot so the only way to find out is to file a claim . It will probably depend on how the water damage happened . Keep in mind that flood is excluded from homeowner 's policies and you need a separate flood insurance policy through the government 's National Flood Insurance Program . If it 's not a flood and it was caused by something accidental and sudden , then you probably are covered . 