When something goes wrong in a home, the first things that most people think are, "How much is this going to cost?" and "How am I going to pay for this?" With water damage, the losses can be devastating, as water has a way of finding its way everywhere. If you're facing damage from water, here are a few things to know about your homeowner's insurance policy.
There's a difference between flood damage and water damage.
Flood damage is considered to be the result of a natural phenomenon, whereas water damage involves water harming your property as a result of a sudden and unexpected accident, like a burst pipe. Another way to think of it is this: flood damage results from water originating from outside your house, and water damage results from water originating somewhere inside your house.
Typical policies cover water damage, but flood damage needs to be purchased separately. This is because damage from flooding is incredibly expensive to fix. For example, flooding damage totaled $8.41 billion in 2011, an amount impossible for companies to cover given the relatively low insurance premiums on basic policies.
There are a few exclusions to water damage coverage.
As expected, you'll run into considerable fine print on your policy. One of the major sections of fine print is the section covering water seeping up through your foundation. Insurance companies don't want to give you a free pass for not addressing something so potentially dangerous in your home, so they normally don't cover this type of damage. Because there's no financial protection from this situation, homeowners are rightfully motivated to address any type of structural foundational concern on their own.
Another common exception is that most policies do not cover damage from sewer or drain backups. The main reason for this is because these are commonly occurring problems that are ultimately the homeowner's responsibility to fix. If people could file claims and get reimbursed every time their toilet clogged, premiums would increase significantly.
You can probably get assistance with filing your claim.
Many reputable water damage restoration companies can assist you during your claims process. After all, they are the experts in the field and deal with this type of situation every day. They can help you catalog your loses, and their detailed reports will be your key to receiving adequate compensation. Make sure you keep track of the company's descriptions of the damage, photographs, and invoices so that you can show these to your insurance company.
No matter what the cost, the reality is that you have to hire a professional, such as Flood Damage Restoration, to assess your damage as soon as possible. This is necessary to avoid any health risks to your household and structural risks to your home.
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