Check your eligibility, catch hidden exclusions (like Seepage), and calculate if a claim makes financial sense over the next 5 years.
Enter your policy info and damage estimate.
Restoration is expensive. When in doubt, slide higher.
Immediate Payout
Repair Cost - Deductible
5-Year Cost
Premiums + Lost Discounts
Financial Feasibility Score
+2,020
Net 5-year gain/loss
Get a clear answer in 4 simple steps.
Grab your insurance declarations page. You'll need your Annual Premium and Deductible amount.
Enter a rough estimate of the repair costs. If unsure, get a quote from a local handyman first.
Select the specific source of water. This identifies hidden traps like 'Seepage' exclusions or 'Sewer' caps.
We calculate your 5-year financial impact to tell you if filing a claim is actually worth it.
Usually, yes—but it depends on your deductible. If your deductible is $1,000, you will net $4,000. However, if you have a prior claim on your record, the resulting premium hike could cost you more than $4,000 over the next 5 years. Use the calculator above to check your specific "break-even" point.
Industry data suggests a single water damage claim can increase your premiums by 20% to 40% nationally. If you have filed two claims in the last 5 years, some insurers may drop your coverage entirely (Non-Renewal).
This is the #1 reason for denial. Insurance covers sudden, accidental events (e.g., a burst pipe, a storm blowing off shingles). It does not cover gradual damage (e.g., a slow leak under a sink that rots the floor over months, or groundwater seeping through a basement wall). If your damage happened slowly, do not file a claim; it will likely be denied.
Filing a small claim (e.g., slightly above your deductible) is often a financial mistake. You might receive a small check for $500, but you will have a "Water Loss" on your permanent record. This can make you ineligible for competitive rates with other carriers for up to 5 years.
Yes. Even if the insurance company pays $0, the inquiry and claim filing are recorded on your CLUE report. Insurers view this as a risk signal (meaning your home has issues), which can lead to higher rates or difficulty renewing your policy.