Insurance Claims On Water Damage
Water damage is one of the most common claims for home insurance. If you are thinking making a claim on water damage here are somethings you should know.
Insurance claims for water damage can run into some trouble in certain cases. For example, if you are claiming something that was the result of gradual damage they might give you some problems. Gradual damage is anything that happened over time as opposed to an accident or sudden damage. These can be things such as leaky ceiling that was due to plumbing defects water damage caused by cracks in the foundation, a lot of times mold will also fall into this category. Basically, anything that has been happening for a long time is generally not covered by home insurance.
However, there may be some exceptions to this. For example, some insurance companies allow for mold remediation to be covered. This is especially true in the case of mold being the result of another claim that was covered under insurance, but was not properly fixed, and mold was the result.
A good practice for homeowners is to keep record of all repairs and transactions for services that are made to your home. This will prove valuable in the event you ever make a claim.
On the other hand if water damage is sudden and accidental you’ll probably have a much easier time getting covered for the damages. Of course everything is dependent upon the language of the policy that you purchased, but this is the very nature of insurance: coverage for sudden and accidental loss.
It is also worth mentioning that there are different types of water damage as far as insurance is concerned. Some cover flood, some cover sewer backup, and many times the items that are covered reflects what is commonplace for the region that you live in.
At SERVPRO of Winchester we are not only experts at restoring your home as if it never even happened, we are also experts at dealing with insurance companies. Contact us to learn more about how we can help you through the entire recovery process today!