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. 2 `' w1 A" ?7 P, Q7 p 1 p* X2 i+ {5 x1 j- ?* EI 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.