Water Damage Repair How Much Insurance Do You Need

When water damage comes to your home, it’s essential that you find and select a water damage restoration contractor as quickly as possible. This way, you and your family can start enjoying your time in the house again and get back to living your normal life. However, finding the right water damage restoration service provider isn’t always so simple. There are many different options out there for water damage restoration, each of which require different types of services and expertise. Here are some of the best ways to help you choose the water damage restoration contractor who is best for you:

 

Understand the Insurance Claims Process Better. The insurance claims process starts when you inform your insurance provider that you’ve experienced water damage to your home. Contact them through their online claims portal, telephone, or their apps as soon as you can, and fill out all the appropriate claims forms. Make sure you keep all receipts for any work performed on your home, as well as any photos or video documentation of the water damage that you have suffered.

 

Follow up. Once you’ve submitted your water damage claim, it’s important that you follow up in a few different ways. First, speak to your insurance company. In particular, they may require you to submit a report of any mold growth or water damage that you’ve discovered. Additionally, they will likely want to take a look at the conditions of your home to ensure that safety-related repairs were done correctly and that you haven’t left anything behind that could be dangerous once the work is completed.

 

Secure the insurance payments. You will need to make one or more water damage claims, and you’ll need to pay those claims promptly. Your insurance provider should issue you a check in about seven to ten days, depending on what the damage actually is. Many people choose to obtain flood insurance through their existing homeowners’ policy, but if this isn’t an option, you will likely have to get your water damage insurance separately. This coverage is usually only good for water damage, so make sure that you’re covered adequately.

 

Make repairs. When the insurance company takes possession of the property, they will probably want to inspect it as well. If the damage is serious enough to require structural repairs, this should be covered by your policy. However, many people choose to make repairs even if they aren’t sure that structural damage occurred. In this case, it’s best to consult with a professional first.

 

Prevent further water damage or leaks. Once the insurer has taken possession of the house, it will be up to you to do whatever it takes to prevent any more leaks or damage from occurring. If you’ve had problems with mold before, this might be easier said than done, but be sure to contact your insurance provider right away.

 

Replace water heaters. It’s important to have water heaters repaired immediately following a leak or other water damage. Leaks often lead to cracks and damages in the tanks themselves. In addition, water heaters can sometimes be connected to a water source that is not secure. These risks are great and are very common. For these reasons, it’s best to replace water heaters immediately following a leak or other water damage issue.

 

Get pipes cleaned. Your water damage restoration service will probably want to use the same kind of equipment as your water heater company to get rid of any mildew or mold that may be sitting in your pipes. Unfortunately, pipes often get ignored when it comes to mold removal or cleaning. If your pipes are showing signs of damage, it’s best to get them checked out to make sure that they don’t need to be replaced much sooner.

What type of water damage is covered by homeowners insurance?

While you should not spend every waking moment fretting over a leaking joint or the next big flood storm, you still might be unaware of what kinds of water damage your home insurance covers. Home insurance is designed to reimburse you for the expenses (and possibly loss) that you incur as a result of property damage or loss from a covered peril. Although you may feel compelled to pour every last dime into a new roof or attempt to fix a leaking foundation, there are some basic areas that you can look at in order to determine what kinds of water damage coverage to on your homeowner’s insurance has for you. Here are some of the main types that homeowners insurance offers for water damage repair:

 

Sewer and drainage damage is a very common occurrence in most homes. Many people forget that their homes are often considered “out of the water” even when it is well above the ground level. Sewer backups can result in serious flooding that destroys carpets, flooring, insulation, and electrical equipment. Water damage from sewage backups is typically covered by your home’s water damage restoration and rental protection policy.

 

Mold infestations are not always easy to detect, which is why you might find yourself spending hundreds of dollars on professional repairs. For this reason, mold damage is often not covered by your homeowner’s insurance policy. Depending on the extent of the infestation, your insurance company may decline any requests for accelerated eradication due to the possible dangers to health, the structure of the house, and structural damage to other nearby buildings. If you do choose to have an infestation removed, your provider will likely decline your request for additional work because of the potential harm to your health.

 

Your house should never be without proper insulation if you want to protect against thermal loss. Unfortunately, some builders mistakenly install insulation too deep within walls or in places where it is difficult to access. Make sure to check your chimney before winter so you don’t waste money by making the necessary repairs after it’s too late.

 

Most homeowners are also unaware that they can make a claim for mold damage caused by the home’s water supply. If you live in a two story house, make sure to inspect the roof before you install a window. Hidden water pipes or sewers can cause a buildup of mold, leading to serious health risks and costly repairs. Always call your local plumber to verify if there are pipes or pipelines behind your home and make sure that your plumber’s crew clears the area before beginning any repairs. Never attempt to repair a water leak without the proper tools and protective gear.

 

You may also receive compensation if you suffer from long-term health issues related to water leaks or mold. If your family suffer from asthma or allergies, you might qualify for additional medical expenses as a result of the damage. Speak to your insurance company about receiving benefits for these issues as well as other types of water damage caused by conditions like windstorm flooding or fire.

 

Water leaking from your home is most often covered by your home insurance company in cases of flood damage or sudden electric outages. It’s likely that your contractor will include this coverage when preparing your building plan. If your washing machine stops working or you have water pouring down the bathroom shower, call your local plumber to assess the problem. Some water damage is just a small problem that may require a simple repair or maintenance job. Other cases require completely replacing the water pipes.

 

When you suffer serious water damage, your insurance company might not be able to help prevent water damage. For instance, if you have water damage in your basement and cannot get your family out, your home insurance policy probably covers the cost of getting your home ready to remain inhabitable. On the other hand, some water damage is more severe, and it requires extensive repairs. In this case, contact your contractor immediately and work out a payment plan so that you can get your home back to normal quickly.