Check your insurance policy if it covers Flooding!
In the past few years water damage claims have become increasingly common and cover 50% of all home insurance claims. Most people think that they are covered for all kinds of water damage, but not all water damage is the same, below we have written a few common sources of water damage and how it is most commonly covered in most standard insurance policies.
The damage is often expensive and time consuming to deal with so knowing what you’re covered for can help take a lot of stress off you if it ever occurs. Restoration USA has a qualified team that works with many insurance companies and property managers to help them get past this stressful time, you can see some of the insurance companies we commonly work with on our insurance claims page.
Flooded Basement Home Flood House Flooding!
Does your insurance company cover water damage?
Water Damage:
Most property insurance includes coverage for accidental or any sudden water damage in your home. This would include any appliances leaking or overflowing as well as any water line breaks. If wind or hail damages your home and water is able to enter it to cause more damage this would cover that as well. One way to figure out if the damage in your home is considered water damage, is to think of how the water got there. In most cases if the water damage was caused by “clean water” and not from sewage or the ground than it is considered water damage.
If you experience a burst pipe or other accidental plumbing failures in most residential insurance policies it should be covered as long as it is reported in time. It is very important to turn off your water main supply and have someone check on your home regularly if you are on vacation or away from home for a while. If this is not done your property insurance policy might not cover your, and could deny any water damage caused by a burst pipe. You can speak to a broker to get further details regarding this and how frequently you should have someone check on your home.
Unlike water damage, sewage backup refers to damage caused by “dirty water” coming from pipes, drains, eaves troughs, down spouts or your septic tank. This usually will happen if the city’s sewer system is overwhelmed by rain or snow.
You should talk to your insurance company to figure out if you are covered for this, in many cases you can add sewer backup coverage to your insurance policy for a small amount, compared to how much it would cost to repair.
Overland Flooding:
Overland flooding is when there is water overflow from a body of water and damage is caused to your property and/or vehicles. Currently no insurance in USA will cover overland flooding, due to it only affecting a small portion of the population. Since it affects so little people there is not enough property owners to share in the cost of coverage.
It’s important to know your own insurance policy, in this article we go over the types of water damage that is commonly covered but we don’t know your exact policy. If you need help dealing with any sort of water damage or sewage backup Restoration USA can help you. Our team is experienced not only in dealing with the damage but dealing with the insurance companies to make sure that you are fully covered.
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24-Hour Emergency Plumber Miami, Fire Damage Restoration, Flooded Basement Cleanup, Water Damage Restoration, Mold Removal, & Biohazard Remediation servicein Miami & the City of Florida. When the unexpected happens, it does not just damage your property, it causes chaos in your schedule, budget, and the day-to-day life! Restoration USA remedies any situation with a quick, well-equipped, and effective response team that extends reliable assistance for your indoor emergencies at any given time of day or night. From water damage, broken plumbing to mold and asbestos biohazard contamination, our property damage specialists can assess, address, and restore your home or building, stress-free.
Property Inspection Miami
Commercial & Residential Property Inspection
Property Inspection: Restoration USA works with many housing associations, builders, councils, property managers and property owners to find defects and general problems.
Restoration USA uses the newest technology and equipment, as well as takes advantage of years of experience to quickly and efficiently find the cause of problems. Our latest equipment lets us find problems without having to take buildings apart or destroy anything. Most problems are easy to solve and do not require very expensive repairs. We recommend that a survey is completed before any work is done in order to confirm the problem. Feel free to call us for free advice.
We understand that any situation involving Biohazards Waste Contamination in your home or business can cause stress and anxiety, which is why Contact Restoration USA right away @ (305) 508-5555 for dependable & experienced biohazard cleanup & remediation services.
Restoration USA offers local flood & water damage repair, mold removal/remediation, asbestos removal/abatement, fire/smoke damage repair services and much more.
