Insurance policies can be confusing — especially after a disaster. At Watrion Restoration of Shreveport, we believe property owners should understand what’s usually covered, what’s not, and how to prepare for a claim.
This guide covers the basic types of property damage insurance coverage and what restoration work is often included. For claim help, visit our main insurance support page.
Common Covered Events
Most homeowners insurance policies cover sudden and accidental damage caused by:
Temporary lodging (loss-of-use coverage, if applicable)
Contents restoration or replacement (furniture, electronics, clothing)
What’s Not Always Covered
Flooding (separate flood insurance is required)
Mold not caused by a sudden event
Neglected maintenance or gradual leaks
Damage from pests or rot
Business losses (unless you have a commercial policy)
Flooding vs. Water Damage
This is a common confusion point. Water damage from an internal source (like a burst pipe or washer hose) is often covered. Flooding from outside the home — such as flash floods or rising water — is only covered if you carry a separate flood insurance policy.
Tips to Maximize Your Coverage
Review your policy each year and ask about riders for mold or sewage backups.
