Insurance Estimator Calculator

How This Calculator Works

Insurance claims for water damage can be complex. Standard homeowner policies typically cover sudden and accidental damage (burst pipes, appliance failures) but exclude flood damage, which requires separate flood insurance. Gradual leaks may or may not be covered depending on your policy.

Tips for Maximizing Your Claim

• Document everything — Photos, videos, inventory of damaged items
• Don't throw anything away — Until the adjuster has documented it
• Start mitigation immediately — Insurance requires you to prevent further damage
• Get a professional estimate — Independent estimates strengthen your claim
• Keep all receipts — Emergency hotel, meals, and temporary expenses