Water damage is one of the most common reasons for homeowners to make an insurance claim. But does homeowners insurance typically cover water damage? The answer depends on the specific policy and the cause of the damage.

California’s Pacific storms—known as atmospheric rivers—have resulted in more than $30 billion in damages and economic losses since Dec. 2022, according to AccuWeather Inc. Major flooding, widespread power outages, landslides, fallen trees and road closures have cost between $31 billion and $34 billion in economic impact.