Water Damage Insurance Claim Guide

This free guide is provided by Certified Pro Restoration, your local Water Damage team serving Akron and the surrounding area. Below is everything you need to know — and if you'd rather just talk to a person, call us at (888) 688-1151 for a free, no-obligation assessment.

Water damage claims are among the most common — and the most misunderstood. Knowing what your policy covers and how to document the loss makes the process far smoother.

What's usually covered

Most homeowner policies cover sudden and accidental water damage — a burst pipe, an overflow, or storm-driven rain entering through a damaged roof. Coverage typically includes drying, repairs, and damaged belongings, minus your deductible.

What's usually not covered

• Gradual leaks and lack of maintenance — slow drips ignored over time.
• Flooding from outside (rising water) — this generally requires separate flood insurance.
• Sewer backups — often need a specific add-on endorsement.

How to file a strong claim

1. Document immediately. Photograph and video all damage before cleanup.
2. Mitigate. Take reasonable steps to stop further damage — insurers expect it.
3. Keep records. Save receipts and a list of damaged items.
4. Get a professional assessment. A restoration pro can document hidden moisture in the format adjusters expect.

Why fast action helps your claim

Insurers may deny damage that worsened because it wasn't addressed promptly. Calling a restoration professional quickly both limits the loss and strengthens your claim with proper documentation and drying records.

Talk to a local Water Damage pro

Every home is different. For honest advice or a free quote in Akron, reach out to Certified Pro Restoration at (888) 688-1151 — we're glad to help.