There are a lot of reasons why you need homeowners insurance, but one of the biggest reasons is just in case your home gets flooded and you need water damage repair Los Angeles. There have been several times where my house got flooded and my insurance always covered all the damages. The only thing that I would have to pay for would be the deductible which was usually $500 in most cases. If your home or business office gets flooded from leaky pipes or bad plumbing then the first thing you need to do is call a restoration company of qualified plumber as soon as possible. This will help to reduce the overall expense and what it will end up costing you in the long run.