Water Damage and Flood Insurance Are Not the Same
Water damage right now? CallCall (720) 615-8168Many homeowners assume any water in the house is covered. It often depends on where the water came from. Learn the basics, document the loss, and ask your insurer.
This website is an independent referral service, not a restoration contractor. Calls may connect you with an independent service business. Confirm availability, service scope and pricing directly. Insurance coverage depends on your policy.
General information only
This guide is not legal, financial or insurance advice, and this website is not an insurance adjuster. Your policy is a contract between you and your insurer. Contact your agent or claims line to confirm what it covers.
Water damage vs. flood
The Colorado Division of Insurance explains that standard homeowners and renters policies generally exclude flood, meaning water that comes from outside, such as overflowing creeks, storm drains or surface runoff. Flood is usually covered only by separate flood insurance. Sudden and accidental leaks inside the home, such as a burst pipe, are commonly treated differently. Your policy wording decides.
Sudden vs. gradual damage
Insurers often distinguish sudden events from slow leaks or deferred maintenance. Policies commonly expect you to take reasonable steps to prevent further damage after a loss. Prompt water mitigation is one way to do that. Ask your insurer what it requires.
What to document
- Wide photos of each affected room and close-ups of water lines and damage
- Serial numbers of damaged electronics and appliances
- A list of discarded items
- All invoices and receipts for emergency work and temporary lodging
- Date and time the water started and when it was stopped
Do not put your safety at risk for photos. Never wade near electrical cords or stand under sagging ceilings.
After a fire
Fire claims often involve both fire and water damage. Keep copies of the fire report and receipts for lodging and food. See fire damage restoration.
Need help with the water first? Call nowCall (720) 615-8168
Insurance questions
Does my insurer pay the restoration business directly?
It depends on your carrier and policy. Payment may go to you, to both you and the business, or follow another arrangement. Ask your insurer before you sign anything.
Is mold covered?
Many policies limit mold coverage, and coverage often depends on a covered water event that was reported promptly. Check your policy.
Who decides if flooring is replaced?
Your insurer determines what is paid under your policy. The restoration provider can supply moisture readings that show whether materials can be dried.
Public sources and guidance
- Colorado Division of Insurance: What Homeowners Insurance Does Not Cover (opens in a new tab) - flood exclusions and coverage limits
- CDC: Reentering Your Flooded Home (opens in a new tab) - electrical and structural safety after indoor flooding
- American Red Cross: Checking Your Home After a Fire (opens in a new tab) - safe re-entry and documentation
- USFA / FEMA: After the Fire, Returning to Normal (opens in a new tab) - recovery and claims documentation