HOW DO I KNOW IF MY INSURANCE COMPANY WILL COVER MY WATER DAMAGE CLAIM? Its safe to assume that if your home experiences water damage your insurance company will take care of all the damage right? WRONG! Don't you remember what your parents told you about assuming? Just because you have insurance does not guarantee that you have coverage for certain types of water damage. Most notably "water coming in through a window, wall, or door" or "drain and sump pump backups." I mentioned coverage being limited. That means you have insurance coverage however that coverage is limited to a certain dollar amount. For example, if a home owner experiences a drain or sump pump backup in a basement, insurance companies almost always put a 5,000, 10,000, or 25,000 dollar limit on what they will pay out. I don't know what your basement looks like, but 5000 dollars doesn't go very far when there's a foot of water down there. Ok, so what can you do as a home owner to make sure you don't get caught without, or with limited insurance coverage when water damage occurs? 1. Look through your insurance policy to see what you're covered or not covered for. If you are covered, find out if there are any dollar limits to that coverage. 2. If you don't have access to your policy reach out to your insurance agent to discuss your water damage coverages in detail. Some simple research now can save you a financial headache in the future when dealing with water damage.