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Does Home Insurance Cover Water Damage?

Water damage restoration is a serious matter and can lead to many health issues if not dealt with properly and quickly.

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May 13, 2026
Does Home Insurance Cover Water Damage?

Does Home Insurance Cover Water Damage?

Water damage restoration is a serious matter and can lead to many health issues if not dealt with properly and quickly. Depending on where you live, water can create a hazardous and destructive force, and many homes and buildings haven't been built to face this threat. That's why it is essential to know the different types of water damage you may encounter in your life. As a homeowner, you are responsible for taking care of water issues at home. But what happens if the damage is too extensive? Or if you didn't notice it right away? Tidal Wave Response understands how crucial it is to deal with these problems immediately by initiating water damage removal and proceeding to water damage restoration. These steps will minimize further damage and health risks.

Types of Water Damage

Three types of water damage are clean, grey, or black.

Clean Water Damage

Clean water does not contain any harmful contaminants; it can come from everyday household use, such as washing clothes or dishes. Insurance companies typically cover this type of damage because it doesn't pose any health risks to your home or family. Repairing clean water damage is much simpler than repairing other types of water damage because it doesn't require any special equipment to remove the moisture from the walls, floors, or furniture in your home.

Reviews

Alex Membrillo

Milton, GA

John came out within 2 hours of our call for help. Within 4 hours of him coming out his team was hear ripping up our basement and saving it from mold. I owe them 40k because that's what it would have cost if they didn't help as quick as they did. Will tell all 3 of my friends about them.  Rob also great and so was the team, so professional, so quick.

Tim Harwood

Buckhead, GA

I had some water damage above my garage after a plumbing incident and was very upset about it. Thankfully Justin and his team at tidal wave made the experience easy and much less of a headache. His team took out the damaged drywall did a full restoration and cleaned up after themselves. Made my damaged ceiling look brand new.

Elaine Tapp

Roswell, GA

We thought Tidal Wave did great work with our water damage remediation and repair. Everyone who showed up was professional and skillful. We had some challenges with scheduling communications and delays but everyone was generally responsive and helpful. We appreciated that they were a one stop shop that could handle everything for us. We would definitely recommend Tidal Wave to others.

DMP

Atlanta, GA

Tidal Wave is one of a kind! I had a pipe that burst and they responded the same day! The team lead, Chris, was extremely professional and courteous. He assured me that I would be taken care of and I was totally impressed with their swift response time. The owner, Johnny, called and told me he was sorry I had experienced water damage in my home and also assured me that everything would be fine. The project manager, Justin, was also extremely kind and provided me with beautiful replacement floor samples. Once my floors are finished, I’m going to submit…

Lisa S.

Cumming, GA

Talk about a company that lives up to it`s name! Called them in the morning within an hour Rob a very professional representative showed up at the house and helped me file a claim. Twenty minutes later a crew showed up and began demo. A few hours later Tidal Wave Response had figured out the leak was gone. Everything happened so fast and efficiently. They helped us understand what our insurance covered and guaranteed the demo would be covered by insurance or them. We are so happy to be working with this company and highly recommend them.

Logan F.

Decatur, GA

What a great company! I called to ask questions and within minutes I was scheduling someone to come to my home and save me from my water damage. Very responsive and the demo crew was amazing and professional!! The repairs to my Kitchen are about to start and I cant wait to see the end result! Thank you Tidal Wave!!

Webb W.

Atlanta, GA

Very, very professional from start to finish. Crew came into my home removed all of the damage items that was damaged by a water leak from the upper level of the home. Worked very fast and cleaned up behind themselves as if they were never there. It was like watch a action movie. Setup the dryers and other equipment very fast also and organized our furniture so that we could get to things as needed. Tidal Wave made a very bad situation feel okay, I`m thankful that we chose you guys. Again thanks for being so professional and responsive

Jennifer G.

Marietta, GA

I could not have been more pleased with my experience with Tidal Wave! Their response time was impressive and Michael did an excellent job walking me through the process. The entire crew was hard working, fast and courteous. I would 100% recommend Tidal Wave.

Binh D.

Dunwoody, GA

We had a water damage in our home and we Googled water damage restoration. We had 2 companies come out for an inspection and... Honestly we were very pleased with the punctuality & knowledge of Rob at Tidal Wave Response. He was very soft and well spoken and listened to our concerns about our home. Rob showed a very compassionate side of how a service professional treats his customer. Our choice was Tidal Wave Response based on their outstanding reviews and knowledge of insurance claims. Tidal Wave also met with the claims adjuster for our property damage inspection. This was…

Billy H.

Sandy Springs, GA

We highly recommend Tidal Wave Response! Johnny came out late last night to assess a failed water heater that flooded our finished basement. He coordinated with Mr. Rooter Plumbing to have a plumber dispatched at 11:45PM who confirmed the water was shut off and put some emergency repairs in place to ensure no further damage would occur. This morning at 7:10 AM (20 minutes earlier than expected) the Tidal Wave Response team was on site at our house. They assessed the damage, and assisted us in contacting our home owners insurance company to create our insurance claim. They preformed the…

Ty M.

Chamblee, GA

My upstairs bathroom overflowed. The water ran into two of my bedrooms and the hallway. My wife called Tidal Wave and they were at our home in less than an hour. Johnny`s team came out and were very quick and professional. They sucked up the water set equipment and the supervisor explained the process. They even offered to do our repairs and said they would handle it all. My wife and I are very pleased so far. I will make it my business to recommend this company to family and friends. This company is honest, and gets the job done.

Mary L.

Brookhaven, GA

So far GREAT!!! They came right out, took out wet walls, cleaned up perfectly (no dust) set up fans. I’m going to use them to put the walls back up and paint too! They are going to meet with my field insurance agent, too, to make sure everything is covered. Fingers crossed they continue to be great!

Grey Water Damage

Greywater disaster response may or may not be covered depending on how much water enters your home. If there is significant flooding outside (where your grey water is coming from), this could be considered an act of nature and, therefore, not covered by insurance companies. However, if there is no outside source for the grey water accumulation and it only comes from within the walls or ceiling cavities of your home, then this type of damage should be covered under most policies.

Black Water Damage

Black water is any liquid that contains fecal matter. This is often the result of a sewer backup, which happens when the main sewer line becomes clogged with debris from surrounding properties and backs up your house. The first step in dealing with this type of disaster is to call your insurance company to see if it's covered under your policy. If so, they will send out an adjuster who will inspect your home for signs of damage and determine whether or not repairs are necessary. They may even send an environmental remediation company to clean up any remaining contamination before starting repairs.

Reasons to Choose Tidal Wave

We Bill Your Insurance Directly

We Bill Your Insurance Directly

We Accept All Insurance Claims

We Accept All Insurance Claims

Licensed & Certified Technicians

Licensed & Certified Technicians

30 Minutes Response Time

30 Minutes Response Time

Locally & Family Owned

Locally & Family Owned

24/7 Emergency Service

24/7 Emergency Service

Never an Overtime Charge

Never an Overtime Charge

Tidal Wave Response

The water damage restoration experts at Tidal Wave Response have seen it all. From flooded basements to burst pipes to broken toilets, our technicians have the experience it takes to solve any of your water damage problems. When the water is pumped out, you will want to make sure that you thoroughly dry your structure. There are a few different ways to help get the job done. The best way to do this is to use fans to dry everything out as fast as possible. While using fans, you can also air your wet floors with a dehumidifier. The dehumidifier will pull all the moisture out of your flooring and help it dry faster. As a water damage restoration company, we have commercial restoration equipment for proper cleanup.

Our Services

We understand that the aftermath of a flood or fire can be very stressful for you and your family, so we strive to provide our customers with the best service possible.

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