Tucson Water Damage Advice Call (520) 795-0505 Call
Guides

Insurance after water damage

Usually covered: burst pipes and water from above, such as rain or a burst sprinkler. Usually not: flood water rising from outside, and sewer backups unless you added a rider.1 Photograph first and call your insurer early.2

Last reviewed October 24, 20265 sources, numbered in the textSee sources

Call (520) 795-0505

Free service. Call now and we'll connect you with a local restoration company. How it works

The general picture

Read your own policy. This is how most work.

From Triple-I, the insurance industry's research group, and Pima County.

Usually covered

  • Burst pipes, wind-driven rain and ice-dam damage.1
  • Water from above, such as rainfall through the roof or a burst sprinkler.1

Usually not, without extra cover

  • Flood: water rising from below needs a separate flood policy through the NFIP or a private insurer.1,4
  • Sewer and drain backups: many policies exclude them, but you can add a sewer backup rider.1

A claim order that works

  1. Photograph and film the damage before you move anything, and keep damaged items for the adjuster.2
  2. Call your insurer or agent right away. Ask about coverage, the filing deadline, and whether the loss is likely to exceed your deductible.2
  3. Make temporary repairs to limit further damage, such as a tarp, and keep the receipts.2
  4. Get written, line-item bids from licensed contractors before the adjuster visits.2
  5. Hold off on extensive permanent repairs until the adjuster has seen the damage.2

Arizona Department of Insurance and Financial Institutions

For scale

Triple-I reports that water damage and freezing made up 22.6% of homeowners claims in 2023, with an average paid claim of $15,400 over 2019 to 2023. That is whole claims, including repair and rebuild, not just drying.3

Flood insurance in Pima County

Pima County says homeowner policies usually do not cover flooding.4 A new NFIP policy generally has a 30-day waiting period.5 Read more in the monsoon guide.

Free help with a policy question

Arizona's insurance regulator, the Department of Insurance and Financial Institutions, takes consumer questions about policies and claims at no charge.

How this works

What happens when you call

It is free to call, and calling commits you to nothing.

  1. A woman on the phone in her kitchen, wet towels and a bucket on the counter under a stained ceiling, a saguaro outside the window.
    1

    You call

    Tell them what happened and where. Have the address ready.

  2. 2

    We connect you

    A call network puts you through to an independent local restoration company that serves Tucson and is taking calls.

  3. A technician points to a water stain beside a ceiling vent while a homeowner listens.
    3

    They assess and quote

    If you want a visit, they look at the damage and quote their own price. Ask for it in writing.

We are a free referral service, not a contractor. The company that answers sets its own prices. How this service works

A couple sit together on their couch with coffee as a fan dries the tile floor.

Want a local company to look at it?

Free to call. An independent restoration company that serves Tucson answers, and you decide what happens next.

Call (520) 795-0505

Tucson Water Damage Advice is a free referral and information service, not a contractor. Calls are answered by independent local restoration companies through a pay-per-call network, and we may be paid when a call qualifies. We do not do the work and do not set prices or availability. How it works

Sources

Each numbered note on this page points here. We read every page on October 24, 2026. Where sources disagree we say so; where we could not find a source we left the claim out. We are not affiliated with any of these organizations.

  1. Triple-I (Insurance Information Institute), How to protect your home from water damage. No date shown (page copyright 2026). www.iii.org/article/how-to-protect-your-home-from-water-damage
  2. Triple-I (Insurance Information Institute), Settling insurance claims after a disaster. No date shown (page copyright 2026). www.iii.org/article/settling-insurance-claims-after-a-disaster
  3. Triple-I (Insurance Information Institute), Facts + Statistics: Homeowners and renters insurance. Figures for 2019-2023 (citing ISO). www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. Pima County, AZ, Storm & Flooding. No date shown. www.pima.gov/459/Storm-Flooding
  5. FEMA FloodSmart (National Flood Insurance Program), Buy a Flood Insurance Policy. No date shown. www.floodsmart.gov/get-insured/buy-a-policy
Call (520) 795-0505Free service. We'll connect you with a local restoration company. How it works