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Insurance after water damage in Minnesota

Burst pipes and ice dams are typically covered; sewer backup often needs a rider, and river flooding needs a separate flood policy.1 Report the loss quickly and keep everything damaged until the adjuster visits.2

Last reviewed October 24, 20264 sources, numbered in the textSee sources

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Covered or not

How most policies treat basement water

From Triple-I and FEMA. The Minnesota Department of Commerce regulates insurers in the state.

Usually covered

  • Burst pipes and ice-dam damage.1
  • Water from the top down, like rain through a damaged roof.1

Usually not, without extra cover

  • Sewer and drain backups, unless your policy includes them or you added a rider.1
  • River water rising from below: a separate flood policy.1
  • A new flood policy generally starts 30 days after you buy it.4

How a claim usually goes

  1. Contact your agent or company right away; most policies want a claim within one year.2
  2. Photograph or videotape the damage and keep the damaged items for the adjuster.2
  3. Get written bids from licensed contractors, line by line.2
  4. If you have to live elsewhere, keep records; Triple-I says that cover is generally 20 percent of the insurance on the home.2

Minnesota Department of Commerce

How this works

What happens when you call

It is free to call, and calling commits you to nothing.

  1. A man in a flannel shirt stands at the top of the basement stairs on the phone, looking down at water on the basement floor.
    1

    You call

    Tell them what happened and where. Have the address ready.

  2. 2

    We connect you

    A call network puts you through to an independent local restoration company that serves Faribault and is taking calls.

  3. A technician crouches by a sump pit and points to the pump while the homeowner listens, stone foundation walls behind them.
    3

    They assess and quote

    If you want a visit, they look at the damage and quote their own price. Ask for it in writing.

We are a free referral service, not a contractor. The company that answers sets its own prices. How this service works

Two adults and a young girl smile on the porch of an old white house, a maple in autumn colour in the yard.

Want a local company to look at it?

Free to call. An independent restoration company that serves Faribault answers, and you decide what happens next.

Call (507) 333-9838

Faribault Water Damage Advice is a free referral and information service, not a contractor. Calls go through our call-tracking line to independent local restoration companies, and we may be paid when a call qualifies. We do not do the work and do not set prices or availability. How it works

Sources

Each numbered note on this page points here. We read every page on October 24, 2026. Where sources disagree we say so; where we could not find a source we left the claim out. We are not affiliated with any of these organizations.

  1. Triple-I (Insurance Information Institute), How to protect your home from water damage. No date shown (page copyright 2026). www.iii.org/article/how-to-protect-your-home-from-water-damage
  2. Triple-I (Insurance Information Institute), Settling insurance claims after a disaster. No date shown (page copyright 2026). www.iii.org/article/settling-insurance-claims-after-a-disaster
  3. Triple-I (Insurance Information Institute), Facts + Statistics: Homeowners and renters insurance. Figures for 2019-2023 (citing ISO). www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. FEMA FloodSmart (National Flood Insurance Program), Buy a Flood Insurance Policy. No date shown. www.floodsmart.gov/get-insured/buy-a-policy
Call (507) 333-9838Free service. We'll connect you with a local restoration company. How it works