How does insurance work with water damage?

When you have water damage, you typically start by contacting your insurance company to report the loss and open a claim. An adjuster is assigned to review what happened, determine whether it’s a covered cause, and estimate the cost of repairs. You are usually responsible for your deductible, and then the insurer pays up to your policy limits for approved work. Many policies cover sudden and accidental water events but exclude long-term leaks, neglect, or flooding from outside. Documentation is critical: take photos, save receipts, and keep records of any emergency services you authorize. Your restoration contractor can often help provide estimates and communicate with the adjuster.