We’ve had some pretty significant rain storms this summer, leading to us having a lot of calls about flooded basements and sewage backups. We understand that this is a scary time for a homeowner, as the cost of water damage cleanup isn’t always cheap. It’s important to call a flood restoration company as soon as possible, but it’s also important to get in touch with your homeowners insurance team. We always try to help our customers feel comfortable, by explaining the process, and letting them know this might be covered by insurance. Here is a little more insight into what is covered and what isn’t, in terms of flood or water damage.
Let’s say you’re doing some laundry. All the sudden water starts flooding out of the hose and leaking water everywhere. Most standard homeowners insurance provide protection from water damage if the cause is sudden or accidental. If something like a pipe bursts or your hot water heater ruptures, odds are you’ll be protected.
So what’s not protected?
Replacing or Repairing the Source
Typically, if your floor is ruined by flooding water from a washing machine or dishwasher, the cost of replacing the water damaged floor is covered, but the cost of repairing the broken machine isn’t.
If it is clear following the incident, that something could have been prevented by routine maintenance, it might not be covered. Say there is a plumbing fixture or a faucet that should have been replaced, this might mean any damage wouldn’t be covered.
Water Backup from Sewer or Drain
You may not be covered if water damage occurs because of backed up water from the sewer or drain with basic homeowners insurance. Most providers do offer additional coverage for sewer or water backup coverage.
This is just a resource for informative purposes. If you don’t know what is covered by your homeowners insurance, it’s a good idea to get in contact with your provider for the specific details of your policy. This will enable you peace of mind for if and when you have something happen in your home. Remember, if you or someone you know experiences water damage in your home or business, call SuperClean as soon as possible. The longer you wait, the more structural damage can occur, and the more likely you are to accumulate mold, which can also get pricey to remove.