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. 8 d+ [% v' F$ T1 \, r1 F0 f4 q6 j + F( Y. G# s% e* G# U- Z4 Z% MI 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.