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Insurance after water damage in Washington

Rain from above and burst pipes are usually covered; flooding usually is not, and Washington's Insurance Commissioner says a flood policy takes 30 days to cover the building.1,2 Report quickly, photograph, and keep damaged items for the adjuster.3

Last reviewed October 24, 20263 sources, numbered in the textSee sources

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Covered or not

How most policies treat water

From Triple-I and the Washington State Office of the Insurance Commissioner.

Usually covered

  • Burst pipes, wind-driven rain and ice-dam damage.1
  • Rain and burst sprinklers, water from the top down.1

Usually not, without extra cover

  • Flooding: a typical home policy does not cover it.2
  • Sewer or drain backup, unless the policy includes it or you bought a rider.1
  • A National Flood Insurance Program policy covers the building only 30 days after it is written.2

How a claim usually goes

  1. Report it as soon as you can and ask about the filing deadline.3
  2. Photograph and list the damage; keep the damaged items and your receipts.3
  3. Get written, line-item estimates from licensed contractors before the adjuster's visit.3
  4. Take reasonable steps to stop further damage and save the receipts; Triple-I says most policies require claims within one year of the disaster.3

Washington State Office of the Insurance Commissioner

How this works

What happens when you call

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

  1. A man in a rain jacket on a covered porch talks on the phone while rain pours over a clogged gutter behind him.
    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 Olympia and is taking calls.

  3. A technician points to a water stain on a sloped bedroom ceiling beside a rain-streaked dormer window while the 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

Two women share tea at a kitchen table and smile while a fan dries the floor, rain and evergreens outside.

Want a local company to look at it?

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

Call (360) 584-9136

Olympia Water Damage Advice is a free referral and information service, not a contractor. Calls go through our call-tracking line to independent local restoration companies, 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. Washington State Office of the Insurance Commissioner, Flood insurance. No date shown. www.insurance.wa.gov/flood-insurance
  3. 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
Call (360) 584-9136Free service. We'll connect you with a local restoration company. How it works