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Does Your Insurance Cover Water Damage?

11/11/2019 (Permalink)

A street is flooded with water, rushing past buildings and cars, covering the entire street. Where water damage comes from matters; it affects how damaging it is to your home.

Approximately 98% of basements will experience water damage in their lifetime. The inevitability isn’t too surprising considering basements are underground and therefore prone to things like gravity and the consequences of whatever happens in the home above. Considering this statistic, it’s safe to say that understanding the processes of both the water damage itself and the restoration required to fix it is genuinely useful for homeowners. 

Here’s what you don’t know about water damage.

First off, water damage insurance and flood insurance are different. If you live in an area not prone to floods, you don’t need to get flood insurance just to protect your home from water damage. They’re different insurance types entirely. In addition, not all water damage is actually insured. For instance, water damage related to neglection of the property may not be covered the way a sudden disaster’s effects would be. Once water damage has impacted the home, in any area, call insurance immediately. The sooner the better since they need the complete details in order to determine the cause, the damage, and therefore pay the restoration company. If you find dealing with insurance a pain, no worries. Restoration companies like, for example, SERVPRO can help you with insurance in addition to repairing the site of the water damage.

Once insurance is dealt with, there’s a few other things to consider. Some water damage, depending on the source, can be polluted and dangerous to be in or around. It is not recommended to explore the damage personally, especially if it’s a large quantity of water and in a location like the basement. In addition, the moment the water damage happens it is getting worse and worse every minute. That is why there is a sense of urgency that comes with water damage. More than the water, the dangers of water damage come with water the water causes. This includes mold growth, structural damage, destruction of personal items. The sooner the area of damage can be dried and restored, the better off the home is. The same way you wouldn’t avoid going to the doctor if a sudden pain erupted in your body, your home needs similar urgency to keep its integrity and continue to serve you and your family in a safe way.

In case of a water damage emergency, consider SERVPRO of Huber Heights. They can assist you with your insurance, be at the site within twenty-four hours, and use the most powerful possible equipment to return your home to normal in no time.

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