Your Insurance May Cover Water Damage Filed Within 30 to 90 Days of Discovery
Most homeowner insurance policies require you to file a water damage claim within 30 to 90 days of discovering the loss, though the exact deadline depends on your specific policy language and state regulations. We recommend reviewing your policy documents to confirm your claim window, then contacting your insurer immediately upon discovery—before any restoration work begins—because insurance will help only if you follow the coverage terms and reporting timeline your resid