Before you remove any water or make any repairs, fully document the damage for your insurer by taking photos or video. Digital versions are best, says Ramirez, because they can be stored electronically and easily copied. If you start removing water or making repairs before you photograph the damage, you could potentially decrease the extent of your coverage, he says.
Among the most common and most preventable causes of water damage are burst pipes. Burst pipes typically happen because of clogs and freezing. Prevent the damage by finding a family plumber to do annual inspections. Regular inspections and maintenance are a cost-effective, preventative measure. Installing new plumbing typically runs between $350 to $2,000.

From wet carpets to swollen floorboards, it’s often evident when water has damaged your floor. But if you aren’t sure, it’s important to check immediately in case moisture has become trapped underneath. Note that underlayment and padding are particularly susceptible to water damage and must usually be removed. However, this also presents an opportunity to install new, waterproof flooring in the area. Ceramic tile, high-end vinyl and certain engineered wood materials can all help protect floors against future water damage repair.
Working with insurance companies to cover your water damage repair can be a tiring and frustrating process. You need to be aware of the specifics in your insurance policy. Most companies require you to report and repair water damage in a timely manner in order to cover the costs. At Peniel, we have years of experience working with billing insurance companies. We are happy to be an advocate for you during this trying process.
Melting Ice & Snow: With spring comes nicer weather, but also the occasional risk of flooding in areas that cannot fully absorb all the water. When temperatures fluctuate from day to day, melted ice can refreeze and cause a whole other set of problems. Due to this hazard, it is extremely important to keep an eye on the weather and fix the problem as soon as it occurs.

The resulting damage is a different than the initial damage.For example, if water damage resulting from a broken pipe, or appliance is listed in your wording as covered, then you may be compensated for a portion of the damages caused even though the deteriorated pipe replacement or a new appliance would not be covered. This is an example the cause of the damage not being covered, but the resulting damage being covered.


An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".
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