insurance claim tips

Homeowners insurance covers water damage from sudden, accidental events like burst pipes or appliance failures — but excludes gradual leaks, flood damage, and sewer backup unless you have specific endorsements. In Los Angeles, the most common claim denials involve long-term leaks under sinks and damage attributed to “lack of maintenance.” This guide covers what’s covered, what’s excluded, how to document damage properly, and the exact language to use with your adjuster. Questions about your water damage claim: (818) 336-1800.