check your home insurance policy or talk to your insurance agent. usually it is covered by insurance. however to use it or not you might want to think about it. " ^$ s C z; c; y( R4 f8 a9 U/ { ( _0 W$ f8 x' F$ B( U. K' Q# w2 T# U# HI heard in some place if you claimed water damage to your home, then it will affect your ability to insure your home in the future.