Water damage is one of the most common — and costly — home insurance claims, affecting everyone from homeowners and renters to landlords.

Although flooding can be attributed to many water damage claims, home insurance doesn’t cover floods. You’ll need a separate flood insurance policy to be protected.

But home insurance can cover many instances of water damage, including sewer backup, heavy rain, melting snow, and leaking plumbing, pipes or a roof.
1. File a Claim Quickly
Get the ball rolling with your insurance company. If the water damage was due to a natural disaster, they may be dealing with many similar claims and working on a first-come, first-served approach.
2. Move Undamaged Possessions From Harm’s Way
Moving undamaged possessions out of harm’s way ensures you’re not dealing with a bigger headache — and costlier claim — than you need to.
3. Document All Damages
Take photos and videos of the standing water, if any, and every single item that sustained water damage.
4. Drain Standing Water
Draining the water helps to prevent further damage, such as the water seeping into your floors and walls.
5. Dry the Water-Damaged Areas
Drying the area, especially the walls and carpet, can prevent mold growth. The last thing you want is to have black mold spread throughout the affected area.
6. Keep All Damaged Items
Keep all of your water-damaged possessions until your insurance adjuster has a chance to thoroughly examine them and make an assessment as to how much money it’ll take to repair or replace your items.
7. Begin the Recovery Process
You’ll want to get your life back to normal as quickly as possible. But waiting for your insurer’s approval prevents the risk of making repairs that aren’t factored into the total claim value. However, if your roof or walls are leaking, it’s OK to throw up a tarp or plywood to prevent further water damage.

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