What your policy will do when the rain gets in
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Or call (844) 543-5757 nowWritten for Seattle homeowners, condo owners and renters. Which kinds of water are covered and which are not, how to read the estimate, whose insurance pays in a stacked building, and what to do when the sewer comes back up.
These guides describe how standard Washington homeowners, condo unit owner and renters policies usually handle water losses. Your own policy language controls and your adjuster makes the coverage decision; the aim here is that you walk into that conversation knowing what to expect. When in doubt, call and describe your situation; dispatch has heard every version.
Does insurance cover rain damage?
Storm damage yes, seepage no, flood only with its own policy: the rain coverage map for Washington homes.
ReadReading your estimate
Equipment days, flood cuts, LF and SF, overhead and profit: what the lines on a restoration estimate actually mean.
ReadCondo & renters: who pays?
Bare-walls versus all-in master policies, HO-6 and renters coverage, and why your own insurer goes first.
ReadSewer backup & the city
The endorsement you need, the city claim you might have, and the hundred-year-old pipe under your yard.
ReadQuestions homeowners ask us
Do I have to call my insurer before a restoration crew?
No, and if water is actively coming in you should not wait. Your policy requires you to take reasonable steps to prevent further damage, and that is exactly what extraction and drying are. Report the claim the same day; your adjuster will work from the crew's photographs, readings and estimate.
Will the restoration contractor deal with my insurance company for me?
The contractor documents the loss in the format adjusters use, sends the estimate and drying log directly, answers the adjuster's questions about scope, and bills the insurer directly on covered claims. The claim itself is yours: you report it, you sign the paperwork, and coverage decisions are between you and your carrier. Nobody can promise an outcome, and anyone who does is someone to be careful of.
Is there anything a contractor is not allowed to do with my claim in Washington?
Yes. Washington law prohibits contractors from waiving, rebating or absorbing your deductible, and from offering anything of value to induce you to file a claim. A contractor who offers to 'take care of' your deductible is breaking the law and putting your claim at risk. The deductible is yours to pay, as your policy states.
Not sure what your policy will do? Ask a human.
Dispatch answers 24 hours a day and will give you a straight read on your situation before a truck moves.