If you choose the wrong company, your insurance adjuster may not cover some of your losses.
One of the biggest mistakes homeowners make is calling their regular carpet cleaning company, not certified or fully experienced for major water extraction and flooding.
The reason why is because 98% of the companies will just extract the water from the top layer of the carpet. This is not acceptable.
DOES MY INSURANCE PAY FOR WATER DAMAGE IN MY HOME?
Your home insurance company will typically cover your water damage if it’s considered sudden and internal water damage. For example, a burst pipe, leaking appliances or plumbing problems would all be covered by your insurance.
WHAT INSURANCE TYPICALLY COVERS
If the source of the leak or flooding is inside your home, there’s a great chance it will be covered and protected by your water damage insurance. For example:
Roof leaks- Burst pipes
- Sewage overflows
- Toilet overflows
- Leaking plumbing
- Slab leaks
- Hot water heater breaks
- and more
WHAT IT DOESN’T COVER
There are a couple of things that can disqualify you from having your water or flood damage covered by your claim.”Gradual damage” is a term used to represent issues that weren’t sudden or unexpected. For example, if you neglected to maintain or upkeep a toilet that overflowed in your home, there’s a chance your insurance will not cover the full amount of your water damage.These include:
- Damage from unsolved maintenance issues – old or neglected plumbing can cause leaks that cause water damage and mold, that would be considered “neglect” by your insurer and won’t be covered.
- Flooding – rain water or water that floods your home isn’t covered in standard homeowners insurance. This includes, but isn’t limited to – rainwater, surging rivers, and drenched ground.
- Sewage water or leaks – most policies will not typically cover water leaking into your home from an outside water leak or sewage overflow
WHAT TO DO WHEN FILING YOUR CLAIM
- Prevent additional damage
- Record proof of water damage
- Review your insurance policy
HOW TO FILE A WATER DAMAGE INSURANCE CLAIM
- What is the deadline to file a claim?
- Will the claim exceed the deductible? If the water damage loss is lower than the deductible, then you’ll probably want to pay out of pocket.
If you choose to file a claim, follow these steps:
- Fill out the claim forms the insurance company sends over and return them ASAP.
- Arrange for an insurance adjuster to come out to your property to inspect the damage.
- Be prepared for the insurance adjusters arrival. Show them where the damage occurred, what was affected, and provided him with an itemized list of your losses so you can speed up the process.
So why would your insurance company not cover some of your losses?
Look at your insurance contract. You will find in your contract leagalease language that you are responsible for acting quickly, submitting your claim in a “timely manner”, and taking all required steps to mitigate the loss.
If you fail to accomplish one or more of these requirements, then you can imagine the loopholes that your insurance company may go through to save money for themselves (not you).
That is why you need someone like us to remediate your water and flood situation so your insurance company has nowhere to run except their checkbook to cover the loss.
How Can We Help You?
Just looking for a free estimate? No problem call 24/7 to set up an appointment (512) 525-8812
