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Homeowner Insurance and Water Damage

Water damage is one of the leading causes of insurance claims but it may be rejected due to the homeowner’s negligence or failure to abide…

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May 13, 2026
Homeowner Insurance and Water Damage

Homeowner Insurance and Water Damage

Water damage is one of the leading causes of insurance claims but it may be rejected due to the homeowner’s negligence or failure to abide by the rules. Therefore, as a homeowner, it’s vital to understand the coverage of your particular policy when water damage strikes.

Knowing this upfront can even help you revisit your home maintenance schedule and make amendments where necessary. Nothing hurts more than being denied a claim as a result of “gradual damage” due to poor maintenance and repairs.

At Tidal Wave Response, we have experienced professionals that can assist you with insurance claims. We also offer emergency and professional water damage restoration services that you can count on. You don’t have to panic, just contact us the moment you need a reliable fire damage restoration contractor.

Causes of Water Damage

Water damage can happen as a result of heavy rainfall, flood, leaky toilet or plumbing fixture, faulty home appliance, or any other number of reasons. In most cases, what s

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!

tarts as a minor water issue can escalate into repairs costing thousands of dollars.

For instance, a leaking refrigerator may continue seeping water into your flooring and basement for a couple of months before you notice. A situation like this can damage property and many components of your home.

What your homeowner insurance will cover?

Your insurance policy should cover for sudden damages. For example, when your water heater bursts unexpectedly, spread water everywhere, and this soaks your wall, ceiling, or flooring, then you may get a cover.

Also, your policy may cover water damage caused by sleet, ice, or snow. However, it’s important to note that you’ll have to pay deductibles before your policy can cover anything. You may want to learn how to calculate your monthly deductibles.

What your homeowner insurance will not cover?

Generally, a home insurance policy will not pay for water damage that is caused by gradual damage or poor maintenance. For example, a leaky or faulty plumbing fixture that results in water damage is usually not part of a home insurance cover. Likewise, water seepage into your home from cracks in the f

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
oundation won’t be covered.

Your insurance company may also reject your claim if water seepage from your washing machine or overflowing bathtub causes water damage. Therefore, ensure to periodically access the condition of your appliances that can cause water damage.

Flooding is another case. If your home is situated along a flood-prone area, homeowner policy won’t cover in case of water intrusion and damage. You will have to purchase a separate flood policy. Contact your county assessor to determine if you are on a flood zone suppose you haven’t done this when you first build or acquire your home.

The Bottom Line

It’s best to contact your insurance agent for clarification on insurance policy terms. The best time to do this is before the water damage. Understanding the terms and how your insurance company defines them will help you know when and when not to file for a claim.

For professional assistance regarding water damage insurance claims, connect with professionals at Tidal Wave Response for expert consultation today. We also offer dependable and efficient water damage restoration services at a moment’s notice.

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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