Water damage can strike without warning — from a burst pipe, a heavy rainstorm, or a failed appliance. One of the first questions Rhode Island homeowners ask is: Will my insurance cover this?
The answer is: sometimes. Here’s what’s usually covered, what’s not, and how to get your claim approved faster.
📞 Call (401) 313-3506 if you’ve experienced water damage — we can inspect, document, and help you file.
Water Damage That’s Typically Covered
Most standard homeowners insurance policies cover sudden and accidental water damage that originates inside the home. This may include:
– Burst pipes
– Water heater failures
– Washing machine overflows
– Plumbing system leaks
– Accidental discharge from appliances
If the water damage was unexpected and not caused by neglect, your policy will likely cover the cost of cleanup and repairs.
✅ Tip: Keep records of maintenance and repairs to strengthen your claim.
What’s Usually NOT Covered
Insurance typically won’t cover water damage caused by:
– Flooding from outside the home (requires separate flood insurance)
– Sewer or sump pump backups (unless you added an endorsement)
– Gradual leaks that were not repaired in time
– Poor maintenance or known issues you didn’t address
🛑 If the water damage could have been prevented, your claim may be denied.
What About Mold from Water Damage?
If your policy covers the original water event, it may also cover mold remediation, especially if the mold developed shortly after the damage.
However, if the mold is caused by long-term humidity or a leak you didn’t fix, it likely won’t be covered.
📞 Call Pristine at (401) 313-3506 for a mold inspection that insurance adjusters will accept.
How to File a Successful Water Damage Insurance Claim in RI
- Stop the Water Source: Shut off plumbing or call a pro.
- Take Photos Immediately: Document water, damage, and affected areas.
- Call Pristine Restoration: We’ll inspect, create a damage report, and assist with cleanup.
- Notify Your Insurance Company: Provide detailed photos and our professional estimate.
- Follow Through: Keep receipts, stay in touch with your adjuster, and document repairs.
✅ We work directly with insurance adjusters across Rhode Island.
Why Choose Pristine for Insurance Claim Assistance?
🏠 Locally owned in Rhode Island
💼 Experience with all major insurers
✅ Certified in water damage and mold restoration
📈 Detailed documentation and moisture readings
We’ve helped homeowners in Providence, Warwick, Cranston, East Providence, and more get their claims approved and their homes restored.
📞 Call (401) 313-3506 for fast inspection and claim help.
Final Tip: Act Quickly to Protect Your Home and Claim
Most RI insurance policies require you to act fast in the event of water damage. Waiting too long can void coverage or worsen the damage.
Pristine Restoration offers emergency water removal, structural drying, mold remediation, and complete claim support.
📞 Call (401) 313-3506 today — we’ll help you handle the damage and the paperwork.