BEND, OR -- The city of Bend has notified homeowners who suffered damages in last week's water main break, their insurance will cover limited things.

They will pay for the extraction of water and the interior drying of homes. But any damage to real property or replacement of items or landscaping will have to be covered by the homeowners.

Heidi Robles tells KBND her home saw $200,000 dollars in damage. "We had an excavator doing excavation of dirt out of our front yard for two days.  My personal belongings were in the basement, my mother's antique armoire and other mementos.  And replacing our hot water heater is not included."

The city says department crews were on scene within 12 minutes of the water main break and claims adjusters determined the break was not due to negligence on the city's part.