Water damage insurance claims can be some of the most complicated claims for homeowners. This is because only certain types of water damage are covered under a typical homeowners’ insurance policy. Sudden and accidental water damage from burst pipes is covered under most insurance policies, however, flood damage and water back up from sewers, drains, and sump pump overflow usually require additional optional coverage. Given the confusing nature of water damage claims it is best if you have an expert public adjuster assess the cause of the damage and compare this with your insurance policy to work out if you are covered.