Water Damage Insurance: What You Should Know

Over the past eight years, the water damage claims have risen to become 45% of all home insurance claims. Yet many policyholders are still not aware of what is covered and what is not covered in their homeowner insurance policy.

It is imperative to be aware of what is covered in your insurance policy and what is excluded with regard to water damage. Not all policies are the same and sometimes cheaper policies can make you pay for the bargain.

So, what water damage events may or may not be covered by typical homeowner insurance policy? Read on to find out.

Sudden or Accidental Damage

Standard homeowner policies provide protection from water damage in case the cause is accidental or sudden. This includes coverage if any of your appliances overflows or leaks or water line breaks. According to the Insurance Information Institute, you’ll be likely protected in certain events, for example, when an upstairs pipe bursts or water heater ruptures.

Sewer Back-Up

Sewer back-up involves the damage from dirty water that can come into your home from septic tanks, drains or pipes. Most of the standard home insurance policies do not include this coverage but it can be added as an optional coverage. This coverage is likely required for homeowners who are more vulnerable to back-up and flooding.

It is best to avail this coverage as the cost of adding it can be minimal compared to the cost of repairing the damage in case of any unprecedented water damage from sewer back-up.

Damage Due to Negligence

A dipping ice maker in the refrigerator, a small leak in a pipe or a leaky toilet resulting in water damage will not be covered under your homeowner insurance policy as it is considered negligence on your part.

Water from Rain

Roof leak repairs will not be covered by the insurance as it is considered a maintenance problem. However, if the damage was caused by hail, wind or rainstorm, then it will be covered under homeowner insurance policy.

Heating or Air Conditioning Unit Bursts

Typically, the homeowner insurance policy will cover water damage from heating or air conditioning unit bursts. However, in case any maintenance issue or neglect is found, then the insurance will not provide coverage.

Flood Damage

It is important to know that no type of flood damage, whether from storms or overflowing lakes, river, oceans is covered by homeowner insurance policy.

So, if you live in an area where there are large sources of water that can potentially overflow, it is a good idea to consider flood insurance to ensure coverage.

It can be difficult to have your insurance claims accepted even when the water damage events are covered under your homeowner insurance policy. Most water damage restoration companies do not help their clients with their insurance claims.

This is what sets Superior Restoration apart from the rest. We are highly trained in negotiating insurance claims and will work with you to ensure that you get the coverage you deserve.

 

 

 

 

 

 

Water Damage Restoration: DIY is a Bad Idea

The internet makes it seem possible to do any project in your home on your own. The videos on the internet with step-by-step guidelines fill up your mind with such ideas that you begin to think that any project can be handled by simply following the guidelines on the internet.

Although you might be able to make some minor repairs in your home such as fix a broken light or put a stop to a leak in your roof, when it comes to restoration of your home after water damage, you should never go for a DIY approach. Water damage restoration is a job that can only be done right by certified professionals.

Here’s why you should never attempt a DIY water damage restoration.

Health and Safety Hazards

Health and safety hazards are the biggest concern when it comes to water damage. Water damage from sewer backup or flood is especially dangerous as it contains bacteria and other microorganisms which can be harmful to your health.

If you attempt a DIY water damage restoration, you’ll be inviting damage to your health as you’re not aware of proper mitigation steps to deal with dangerous microorganisms in water. Only certified professionals know how to perform mitigation and dry your home properly after water damage.

Hidden Damage

Water damage in your home is never obvious. The moisture can accumulate inside of walls, under carpet and other materials. If you try to restore your home with a DIY approach and fail to properly diagnose the level of damage, the problems can become worse.

Certified professionals have a moisture sensor probe which is used to assess all the damage in your home. No damage remains hidden and every part of your home is dried up to prevent any issue.

Lack of Proper Equipment

You don’t have the proper tools and equipment that are required to cleanup and dry you home after water damage. You may rent the equipment like some dryers and dehumidifiers, but that would be of no use since you don’t have proper knowledge and training to use the tools properly.

Certified professionals from a water damage restoration company possess the technical tools and equipment and know how to use them to expedite the drying process.

They have advanced dehumidifiers and fans that are designed for sole purpose of drying homes and buildings in case of water damage. You, as a homeowner, can never get your hands on such equipment which means that you can never perform restoration in your home in the same way as is done by certified professionals.

Leave DIY, Hire Professionals

Surely, you now understand that water damage restoration is not a DIY job and should only be left to certified professionals. If you happen to ever suffer from unfortunate water damage, contact Superior Restoration as we have over 50 years of experience in handling water damage and will treat the restoration of your home with the highest level of professionalism.

 

 

 

Mitigate Damage Before It Worsens

Serious Damage Can be Avoided with Emergency Water Damage Service

Water damage in your home needs to be handled promptly. The damage can result from a burst pipe, unexpected flood, sewerage leaks and unexpected storms. No matter what the cause, quick restoration is essential to avoid more damage like plumbing defects, mold growth and wiring issues.

Since restoration needs to begin immediately, only those water damage services that provide emergency restoration should be contacted for the job. Otherwise, the damage can become worse and you may suffer heavy loss.

Here’s how serious damage can be avoided with emergency water damage services.

Prompt Response and Action

When dealing with water damage, timing matters the most. The main concern should be to prevent your home from getting wrecked because of accumulated water. Prompt response from emergency water damage service can prevent your home from more damage.

Emergency water damage services have technicians who are always ready to handle any kind of water damage. They’ll arrive to your location and begin cleanup restoration of your home in a short time. The technicians are certified and experienced, so they’ll get to the root cause of the damage and fix it to prevent any more damage.

Mold Prevention

Accumulated water in your home can harbor mold and mildew.  Emergency water damage services can quickly cleanup your home to prevent mold and mildew growth. Not only that, the professionals from water damage services also have special disinfectants and cleaners that will eliminate the mold that is already present in your home.

Additional Services

A company that provides emergency water damage services will not just cleanup and dry your home but will also offer additional services.  Cleanup and drying of your home is necessary, but quick restoration is also important to make your home look the way it was before the damage.

In this regard, a water damage company will provide sanitation, vent cleaning and content restoration services. Your home will thus be restored to its original condition and no one will be able to tell that it ever suffered water damage.

Quick Drying

Hiring emergency water damage services guarantees that your home will be dried up quickly. This is because the professionals are skilled in drying process and possess advanced equipment which can make the drying process swift.

The more quickly water is dried, the less damage it will cause as standing water acts as a breeding ground for dangerous microorganisms. Emergency water removal service can also help you salvage items such as furniture and rugs, if the drying is done in time.

Prevention is better than cure. It is always best to try and prevent your home from water damage in the first place rather than dealing with headache of restoration.

Even if proper precautions are taken to avoid water damage, it can still occur and to prevent the damage from becoming worse, you must avail emergency water damage services.

Many companies claim that they provide emergency services but when you try to contact with them in your time of need, there is no response. This is why we at Superior Restoration are active 24/7 and provide emergency services to our clients as we know that water damage can occur at any moment. Contact us any time and we’ll respond at once.