Whether you’re covered depends on the precise wording of your buildings and contents policies, including any excesses and exclusions. Escape of water, storm damage and theft are often insured events, but claims may be restricted by circumstances such as poor maintenance, wear and tear, an unoccupied property or inadequate security. Accidental damage is commonly an optional extra rather than standard cover, and valuables may have individual limits. Check your policy documents and contact your insurer for a claim decision based on your circumstances; an FCA-authorised insurance provider can explain the cover available.