Months of steady rain
The rainy season is long rather than violent. Gutters, downspouts and grading that send water toward the house slowly soak crawl spaces and basements, and atmospheric river storms like November 2021's add flooding on top.
Washington · 6 cities
Water damage restoration in Washington
In western Washington, water damage builds slowly: months of rain soaking crawl spaces and basements, gutters that overflow for weeks, and a few hard freezes each winter that split exposed pipes.
6Washington cities covered
40ZIP codes
439,970homes in those ZIP codes
1regions with their own risks
Water damage and insurance in Washington
Washington homeowners policies typically cover sudden water damage, such as a burst pipe, but not flooding or slow seepage. Flood coverage is a separate policy, and many policies limit coverage for mold that follows a long-running leak.
Flood insurance through the National Flood Insurance Program usually has a 30-day waiting period before coverage starts, so it has to be in place before a storm, not after. See our insurance claims guide for how to document a loss.
Official help: Washington State Office of the Insurance Commissioner.
The Puget Sound region
In the Puget Sound area the main shutoff is often in the crawl space, garage or basement where the line enters, with the city meter in a box near the street.
Cold snaps and exposed pipes
A few hard freezes most winters catch pipes in crawl spaces, garages and outside walls. December 2022 brought a wave of burst pipes across the region.
Crawl spaces and slow drying
Many homes sit over crawl spaces, where a slow leak can run for weeks unseen. Cool, damp air means wet materials do not dry on their own.
Cities covered
Water damage in Washington: common questions
Does Washington homeowners insurance cover flood damage?
No. Standard homeowners policies exclude flooding from outside water. Flood coverage comes from a separate policy through the NFIP or a private flood insurer.
What causes the most water damage in Washington homes?
In western Washington, water damage builds slowly: months of rain soaking crawl spaces and basements, gutters that overflow for weeks, and a few hard freezes each winter that split exposed pipes.
Do you cover my city in Washington?
We currently connect callers in 6 Washington cities: Bellevue, Bothell, Kent, Lynnwood, Renton, Tacoma. Each city page lists the ZIP codes covered.
Water damage somewhere in Washington?
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