When do you pay for water damage?

The basic rule of thumb is if water rises, you pay. If water falls, your insurance company pays. However, there are exceptions.

If you have flood insurance and water rises, officially that is flooding and you are covered.

If you have a bad roof water damages your home, you are on your own. But if the wind blows off your shingles and water gets in, then your insurance company pays.

Copyright © 2020 KGO-TV. All Rights Reserved.