Does homeowner's insurance can cover water damage also?

[Patricia]

I rented an apartment here in Bastrop, so if I discover any water damage in my home, what steps should I take? And what types of water damage are typically covered by homeowner's insurance policies?

[Mark]

The landlord’s insurance will not cover anything you own on or around the property. Only plumbing or roof leaks can cause water damage that landlord insurance can fix. So don’t think your landlord’s insurance covers water damage.

• • If the tenant has done some water damage, then the tenant is responsible for the cost of repairs.
• • The landlord is responsible for the cost of repair if the water damage is due to a problem with the building.

If you face water damage in your rented apartment, you can take the following actions:

1. Document all the damages (pictures, videos) and inform the landlord as soon as possible.
2. Turn off the water supply if possible so that it will not be damaged further.
3. If your rented apartment has insurance, submit all the necessary documents to claim damage.