Water damage claims are one of the most common insurance claims property owners face. Such damage can lead to material deterioration, wood rot, steel rusting, and plywood delamination.

Water damage may occur gradually, with signs like water spots, or suddenly, as in the case of a catastrophic flood. Regardless of how quickly it occurs, water damage poses a significant threat to property.

Insurance policies vary in their coverage for water damage claims and the subsequent restoration process. Homeowner's insurance often requires additional coverage, like "Sewer and Drain Coverage," to cover associated costs, potentially increasing monthly premiums.