Luckily, you can file for insuranceclaims to help you pay for waterdamage caused by accidents and natural causes. Check with your home insurance plan for assurance. Besides, there are also ways to prevent waterdamage, one of them being the installation of sump pumps. Claim Type.What These WaterDamage Statistics Mean for Your Property. The numbers tell a consistent story: waterdamage is common, expensive, and gets worse fast. About 1 in 67 insured homes files a claim each year. It’s our final day of Mold Week and our guest today is Ryan James of Claims Max Adjusters who will help you get the most out of an insuranceclaim. Not all waterdamage is visible at first glance, so home buyers must know what to look for before they purchase a new property. Buyers should know how to see the signs of waterdamage in walls or ceilings. How to File a Comprehensive Home InsuranceClaim for Accidental WaterDamage. The first step of filing a claim is reporting the damage to your insurance company. Examine your policy in detail to ensure it covers the incident that led to the waterdamage. Quora is a place to gain and share knowledge. It's a platform to ask questions and connect with people who contribute unique insights and quality answers. This empowers people to learn from each other and to better understand the world.