Insurance Q&A - Water Damage Insurance Questions Answered
Insurance Q&A
Does your insurance cover water damage
Water Damage Removal Insurance Questions Answered
Water damage (from floods, tornadoes, broken pipes) is one of the most common type of property damage claims. The costs associated with reconstruction and remediation of water infiltration are usually very high.
To make matters worse, there are many instances when the insurance company will not cover a water damage claim. To find out if your particular kind of water damage is covered by your insurance company, is best to review your own policy. If it sounds unclear, you should contact your insurance agent or call our office, and we’ll be glad to help.
In general, standard homeowners insurance policies cover water damages as result of a tornado or storm, IF the water damage is due to rain, hail, or snow, falling from above. For example, if the wind damaged your roof during a storm, which made it rain inside your house, the resulting water damages would be covered. If, however, your home is flooded due to raising waters ( result of a storm!) – that is considered a “flood”, and may not be covered by a standard homeowners policy.
Most policies include other damages related to storms and tornadoes, like roof damage, collapsing trees, wind etc. But, in the appraisal process, if the insurance adjusters find that you have not properly maintained your property (the roof was aging, the trees were dying, etc.), your water damage claim may be denied.
If you have suffered water damage as result of an accidentally broken pipe, or frozen pipe, you have a good chance of getting reimbursed for the damages suffered. But, again, if the insurance adjuster finds that you failed to properly maintain your property, they may deem the water damage as due to negligence and deny your claim on those grounds.
It depends on what caused the mold in the first place. If it is due to water damage that is covered by the insurance (accidentally broken pipe, rain, winds or storms), then most likely the mold damage will also be covered. However, as mold and water claims are usually expensive, insurance companies do look twice before approving them. Properly documenting claims is the main factor determining the its success. Hiring professional help will significantly increase the chances of a mold or water claim to be approved.
A standard policy usually covers only water damages where the cause was “sudden and accidental”, for example forgetting to turn a faucet off, a burst pipe, or a blocked toilet. A standard insurance policy will not cover damages from floods or an Act of God. So if your flooded basement is caused by melting waters, storms, or overflowing rivers, that is a flood, and not covered. Also, water that seeps into your basement through cracks is considered flooding, and, since it could have been prevented through home maintenance, it is generally not covered.
Certain insurance carriers have extended coverage on water back-up. You should always check with your agent to see if you have coverage in case of water damage.
Water damage and mold can have disastrous long-term effects on the integrity of your home and on the health of your family. Water damage claims are expensive and insurance companies can deny them on many grounds. What you can’t afford to do, is wait or take any chances with your financial future. You don’t want to wait months to start renovation work, or to have to accept a settlement that doesn’t even begin to cover your losses.
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Insurance Questions Answered Service Miami
What makes 911.es Restorationthe best water damage service provider in Miami is that we always guarantee our customers for a fast reliable service each and every time. Having performed and completed thousands of water damage, sewer backup and burst piperepairs, we believe in the importance of trained personnel and efficient equipment. Our water damage repair certified technicians are highly trained and are fully IICRC certified.
Our experts perform water damage restoration according to industry guidelines established by the Inspection Cleaning and Restoration Certification Institute. Our crews are equipped and ready to dispatch for emergency property damage. We invest in the latest technology and advanced technology to quickly and efficiently restore your home to pre-disaster conditions. In the dewatering and dewatering phase, we use air transfer devices, air dryers and air cleaners.
Miami Water Damage Insurance Questions Answered
We use flood drying equipment to work quickly, minimize potential damage and prevent secondary damage such as mold. We use advanced technology to measure the amount of water or moisture in your floor, walls and ceilings so that all the water is 100% extracted, drained and dried.Mold growth can develop within 24-hours after water damage has accrued, so it is necessary to establish an industry standard water damage procedure and use effective equipment to ensure that no water remains in your home or business.
Helping you, every step of the way!
Water leaks cost money and cause serious property damage!.
911.es Restoration is independent, your interests are our priority. We have extensive experience with insurers, their excuses for not paying insurance and how to deal with them. We take pride in what we do and want to help our customers understand the leak detection process.
Call us now or browse the website to learn more about the technology we use, including thermal imaging, acoustic water leak detection, and much more. We also have information about the insurance process and FAQs that answer many common questions.
We understand the stress of a property damage we can advise an insurance claim can be made if necessary to minimize the financial impact.
We understand that any situation involving Biohazards Waste Contamination in your home or business can cause stress and anxiety, which is why Contact 911.es Restoration right away @ (800) 506-6048 for dependable & experienced biohazard cleanup & remediation services.
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911.es Restoration offers local flood & water damage repair, mold removal/remediation, asbestos removal/abatement, fire/smoke damage repair services and much more.
