Will Insurance Cover It? Navigating Water Damage Claims | Rhino Restoration

At Rhino Restoration, we work directly with homeowner's insurance carriers on nearly every job. Here's what you need to know before you file a claim.

Covered: Sudden and Accidental Water Damage

Most HO-3 policies cover water damage that is sudden and accidental — burst pipes, appliance malfunctions, and water damage from firefighting efforts.

Not Covered: Gradual Damage

Insurance carriers deny claims for water damage resulting from gradual deterioration or homeowner neglect.

Flood Damage Requires Separate Coverage

Standard HO-3 policies do not cover flooding from external sources. You need a separate NFIP or private flood policy.

How Rhino Restoration Helps

We document every job thoroughly with photos, moisture logs, and Xactimate estimates — the industry-standard software used by virtually all carriers.

Call Rhino Restoration at 210-405-6886 if you're facing a water damage claim in San Antonio.