Water damage can strike at any time — from burst pipes and leaky roofs to flooding or appliance malfunctions. Whether you own a home or a business, dealing with water damage is stressful, costly, and time-consuming. Understanding what your insurance covers and what additional costs you might face is crucial to recovering quickly and minimizing financial setbacks.

In this article, we’ll break down everything you need to know about insurance coverage for water damage, out-of-pocket repair costs, and how to protect your property before disaster strikes.