WATER DAMAGE SCENARIOS - THINGS YOU NEED TO KNOW Scenario No. 1: The temperature drops to 10 below zero, causing your water pipes to freeze and burst. Your floor is now covered.... Scenario No. 5: Water seeps from the ground into your basement, damaging your foundation and interior. Are you covered? No. Seepage is considered a maintenance problem..., as is furniture. Are you covered? Somewhat. You're unlikely to be reimbursed for roof repairs because that's a house-maintenance issue. But the water damage to your home is covered. Damage...