What to Do When Your Renters Insurance Policy Doesn’t Cover Water Damage

Insurance Services Tips 

As a renter, it's important to have renters insurance to protect your belongings in case of unexpected events like theft, fire, or water damage. However, what happens when your renters insurance policy doesn't cover water damage? This can be a frustrating and stressful situation, but there are steps you can take to mitigate the damage and find a solution.

Water damage can happen in many ways, from a burst pipe to a leaking roof or natural disasters like floods. Whatever the cause, water damage can be costly and time-consuming to repair. It can also cause health hazards like mold and mildew if left untreated. If your renters insurance policy does not cover water damage, it's important to take action quickly to minimize the damage and find a solution.

Assess the Damage

The first step is to assess the damage. If you notice water damage in your apartment, it's important to act quickly. The longer you wait, the more damage can occur. Take photos or videos of the damage for documentation purposes. This can be helpful when filing a claim with your insurance company or discussing the situation with your landlord.

Contact Your Landlord

Next, contact your landlord to inform them of the situation. Your landlord may have their own insurance policy that covers water damage, and they may be responsible for repairing the damage. It's important to communicate with your landlord and keep them updated on the situation. If your landlord is not responsive or does not have insurance coverage, you may need to consider taking legal action.

Review Your Insurance Policy

Review your renters insurance policy to see what is covered and what is not covered. Some policies may cover water damage caused by certain events, such as a burst pipe or leaking roof, but not from natural disasters like floods. If your policy does not cover water damage, you may need to consider purchasing additional coverage. It's important to understand your policy's limitations and exclusions to avoid any surprises in the event of a claim.

Consider Filing a Claim

If your renters insurance policy does cover water damage, you may need to file a claim with your insurance company. Be sure to provide documentation of the damage and any expenses you have incurred as a result of the damage, such as hotel stays or replacing damaged items. Keep in mind that filing a claim may increase your insurance premiums in the future. It's important to weigh the pros and cons of filing a claim and consider your options carefully.

Find Alternative Housing

If the water damage is severe and you are unable to stay in your apartment, you may need to find alternative housing. Your landlord may be able to provide temporary housing or you may need to stay in a hotel. Keep all receipts and documentation of any expenses related to finding alternative housing. If you are unable to find alternative housing, you may need to consider breaking your lease and finding a new apartment.

Prevent Future Water Damage

To prevent future water damage, it's important to take preventative measures. This includes checking for leaks or damage to pipes and appliances, keeping gutters and drains clear, and ensuring that your apartment has proper ventilation. Taking these steps can help prevent water damage and protect your belongings. It's also a good idea to have a plan in place in case of emergencies, such as knowing where the shut-off valve is for the water supply.


Water damage can be a frustrating and stressful situation for renters, especially if their insurance policy does not cover it. However, by taking the right steps, you can mitigate the damage and find a solution that works for you. Remember to assess the damage, contact your landlord, review your insurance policy, consider filing a claim, find alternative housing if necessary, and take preventative measures to avoid future water damage. It's also important to stay informed and up-to-date on your rights as a renter and any legal options available to you. By being proactive and taking action, you can protect yourself and your belongings in the event of water damage.