Is flood damage covered by a homeowners policy?

Flood from rising surface water is typically excluded from standard homeowners policies and covered separately. We can review the policies you have.

Should I hire a mitigation company first?

Preventing further damage is important. Keep records and invoices from any mitigation work performed.

Living room with water stained ceiling and wet hardwood floors

Our Expertise

Water Damage Claims

Covered water losses including plumbing failures and other covered events.

Understanding the damage

Sudden water damage from burst pipes, appliance failures, or other covered events can affect flooring, drywall, cabinetry, and personal property. Water claims frequently hinge on the cause of loss and specific policy language.

How DR CLAIMS can assist

Document the source, extent, and affected areas of water damage
Review policy language regarding sudden versus gradual water loss
Account for mitigation, drying, and repair costs
Present and negotiate your claim with the insurance company

Common claim challenges

Exclusions for long-term leaks or seepage
Mold limitations and sub-limits
Under-scoped flooring and cabinetry replacement
Questions about the cause of loss

Frequently asked questions

Coverage depends on your specific policy and the facts of your loss. DR CLAIMS does not guarantee coverage or payment by any insurer.

Other Services

Relatedexpertise.

Storm Damage Claims Roof Damage Claims Fire & Smoke Damage Claims Commercial Property Claims Denied or Underpaid Claims Supplemental Claims