Water damage can impact your flooring and can be expensive. Knowing what insurance covers is important to mitigate these costs.

Choosing the Right Words: Ensuring Your Insurance Covers Water Damage Restoration

Water damage is a homeowner’s nightmare. Burst pipes, flooding, and leaks can wreak havoc on your property, leaving you with a costly restoration process. While your homeowner’s insurance is designed to help you during such events, it’s important to choose your words wisely when communicating with your insurance provider. Saying the wrong things can inadvertently jeopardize your chances of getting the coverage you need. In this article, we’ll explore how homeowners can use specific language to ensure that their insurance covers water damage restoration work.


Use Precise Terminology

When you contact your insurance provider, using precise and accurate terminology to describe the incident is crucial. Avoid vague or ambiguous language. For instance, instead of saying, “My house got wet,” explain the situation in detail: “My home experienced water damage due to a burst pipe.” Specificity helps your insurance provider understand the nature of the incident and assess coverage more accurately.


Document the Water Damage Incident

Before making a claim, thoroughly document the water damage. Take photos and videos to provide visual evidence of the damage. These records can serve as vital proof when communicating with your insurance company. Use labels or captions to describe what each image shows, making it easier for the adjuster to understand the extent of the damage.


Be Honest and Accurate

Honesty is key when dealing with your insurance provider. Avoid making misleading statements or exaggerating the damage to try and increase your claim. Exaggeration can harm your credibility and the claim’s legitimacy. Instead, provide accurate details, even if the damage is more extensive than you initially thought. Insurance adjusters are experienced in assessing claims, and they will conduct their own investigation to verify your statements.


Emphasize Preventative Measures

When discussing the incident with your insurance provider, highlight any preventative measures you had in place to mitigate the damage. This might include routine maintenance, inspections, or safety features like sump pumps. Demonstrating your proactive approach can indicate to the insurance company that you’re a responsible homeowner, potentially improving your claim’s chances. Typically, any damage that is categorized as gradual or determined to be the result of negligence will not be covered by insurance.


Clarify the Cause of the Water Damage

Whether it’s a burst pipe, a storm, or a malfunctioning appliance, explain the situation in a straightforward manner. Avoid speculation or assigning blame, as this can complicate the claims process. If you’re uncertain about the cause, say so rather than making unfounded assumptions. If you’re not certain as to the cause of the water damage, many restoration companies offer free inspections to determine the cause of water leaks and damage.



To ensure your homeowner’s insurance covers water damage restoration, use specific language, document the incident thoroughly, maintain honesty and accuracy, emphasize your preventative measures, and clarify the cause of the damage. These strategies will help you navigate the claims process effectively and increase the likelihood of your insurance company providing the necessary coverage.



When it comes to water damage, the words you choose can make a significant difference in whether or not your insurance provider covers the restoration work. By using precise terminology, documenting the incident, being honest and accurate, emphasizing preventative measures, and clarifying the cause, you can help ensure that your claim is processed smoothly and your coverage is provided as needed. Communication is key in this process, so choose your words carefully to protect your home and your financial well-being during water damage events.

Do you need help navigating an insurance claim for recent water damage? Contact us today to schedule an inspection.