A standard policy won’t cover every type of water damage, but there’s a good amount of it that does qualify. It depends on the nature of the damage and how it came about in the first place—causation, in other words.

Did you know that water damage claims are one of the most common insurance claims today? You may be wondering if water damage restoration is covered by your typical homeowner’s insurance policy. While the exact answer will depend on the specifics of your policy, a general rule of thumb is that damages are covered under certain circumstances and not others.