201807.30 0 How do I know if I have enough coverage in case I suffer a water damage loss? in Water Damage Review your policy with your insurance agent and make sure he goes over the coverages specific to water claims. Also, make sure he reviews with you any exclusions their may be in your policy. Do not forget to ask about what you have as a mold coverage cap. In almost every water loss if a remediation company is not onsite immediately you will start to have mold growth and this in most cases will be covered under a different part of your insurance policy. Last but not least, know how much the value of your home and your personal contents are worth to replace and repair.