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State Farm Covers Water Damage To Your Home

9/7/2020 (Permalink)

Water damage done to Dayton home basement Our IICRC certified firm is available 24/7 to help mitigate your water damages.

State Farm has added ambiguous language added to their water damage coverage clause. When water damage occurs in your home, it may be more challenging to get the money needed to restore your home.

Fortunately, the team at SERVPRO of East Dayton/Beavercreek has over twenty years of experience working in insurance damage repairs. The SERVPRO team will work closely with homeowners and have built relationships with insurance companies like State Farm to ensure that everyone is treated fairly regarding all water damage losses. 

How Do Insurers Typically Determine Coverage?

A standard home insurance policy requires water damage to be sudden and internal. The team at SERVPRO has typically seen covered water damages that have occurred from: 

  • Rain and storm damage 
  • Broken plumbing such as burst pipes, frozen plumbing, faulty plumbing, overflowing (toilet, tubs, washing machines)
  • Water damage from the fire department
  • A roof leak 

Difficult water damage coverages

In some cases, water damages are more challenging to be covered because they are not accidental or unexpected. We have seen homeowners be declined coverage due to neglect and lack of home maintenance. If your home has water damage resulting from negligence, then most likely, you will be the one having to pay for the repairs. 

Here are the situations where a homeowner may have more difficulty getting State Farm to cover the water damage restoration:

  • Flooding
  • Ground seepage
  • Poorly-maintained pipes leading to leaks

Many Dayton homeowners are not aware that their standard policy won’t cover any water damage resulting from a flood. We suggest that you purchase additional flood damage insurance if your home is susceptible to flooding. 

SERVPRO Relationships With Insurances

SERVPRO has a partnership with insurance companies like State Farm and Allstate. With this partnership, we have an easier time getting water damage claims approved over other restoration companies. 

We have heard stories about homeowners using other restoration companies that do not have a partnership with an insurance company and getting their claims denied even after the work has been performed. In some cases, we understand that the damages need to be cleaned up ASAP, but please ensure that the claim is approved prior to work being performed. The last thing that we want a homeowner to go through is a water loss and paying for the loss out of pocket. 

By having a strong relationship with Statefarm, we can not guarantee that your insurance claim will get approved. Still, we will say that we have a higher chance of quickly getting water damage claims approved over other restoration companies. 

We rarely run into problems with insurance companies that have partnerships with us. 

As stated at the beginning of this post, Statefarm and other insurance companies have ambiguous language in their policies. We think it is essential for homeowners to be aware of the strong relationships that we have with insurance companies to avoid getting the runaround from an insurance adjuster. 

Call the professionals at SERVPRO to help you when your home or business suffers from a water loss. We are available 24/7 and open 365 days a year!

Call us at (937) 228-3433


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