Water damage insurance claims depend on a few different criteria. Ultimately, that's a question you'll have to clarify with your insurance company. However, we can tell you that the viability of water damage insurance claims depends primarily on what caused the damage (storm, burst pipe, plumbing malfunction, localized flood, sump pump failure, etc. ). Some insurance policies will outline scenarios that will NOT be covered without specific riders like flood insurance, or sump pump failure insurance. Contacting Restoration Pros as well as your insurance adjuster at the same time is a good idea, because Restoration Pros will help make sure that not only will the water extraction and dry out be covered, but the rebuild process that should follow. If the full scope of the claim isn't outlined and agreed upon from the start, there may be issues down the line, and property owners may find themselves having to pay out of pocket to get the property completely back to normal.