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Fire & Water - Cleanup & Restoration

Insurance Claims on Water Damage

8/23/2018 (Permalink)

Water damage is a common insurance claim among home owners. If you are about to make a claim on water damage to your home it’s good to know what to expect. There are some items that homeowners generally have an easier time making claims for than others. 

Problem Areas:

There are some losses that homeowners typically run into problems when trying to make a claim to their insurance company for. These include loss that resulted from gradual damage. Gradual damage is anything that happened over the course of a prolonged period, as opposed to an accident, or a sudden damage, which happens as the result of one single event.

Loss such as leaky ceilings due to plumbing defects, water damage caused by cracks in the foundation, and in some cases, mold, fall under the category of gradual damage. These things are generally not covered by insurance. However, there may be some exceptions. For example, if mold was the result of another claim that was covered under insurance, but was not properly fixed, the insurance company would likely cover it.

On the other hand, if the water damage is sudden and accidental you’ll probably have a much easier time getting covered for the damages. This is the true nature of insurance – to cover accidents. Of course everything is dependent upon the language of the policy that you purchased, but this is the very nature of insurance: coverage for sudden and accidental loss. A good practice for homeowners is to keep a record of all repairs and transactions for services that are made to your home.

At SERVPRO we are not only experts at restoring your home as if it never even happened, we are also experts at dealing with insurance companies. Contact us to learn more about how we can help you through the entire recovery process today!

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