No matter why you need water damage cleaning, you can begin to feel overwhelmed by the amount of money required to not only clean but also to repair any damage that’s been done. On top of everything worrying if your flood insurance will cover these costs can be an added stressor. If you find yourself in this situation finding a reliable resource to help construct cleanup and repair damage is critical. If your insurance isn’t going to help pay for these repairs you want to make sure you are getting the best service at the best prices. Restoration Doctor in Miami is a great company who will take the time to go over all of the services you need and how they can help you.
Understanding Your Flood Insurance
Water damage is one of the most common reasons for insurance claims. The damage can be due to several reasons plumbing/appliances, severe weather, or accidents. The tricky part of dealing with water damage cleaning is understanding what and when your insurance provider will cover the expenses. Most standard homeowner’s policies will cover water damage as long as it is sudden and accidental. However, the source of the damage will determine whether or not the policy will cover your repairs. It all comes down to the type of policy you have for your home. A standard policy will include the following:
- Damage caused to your roof by ice, snow, and sleet
- Overflow of water
- Cracking, burning, or bulging due to the steam from your hot water heater
- Freezing and bursting of pipes
Although standard policies include these threats depending on the policy, you choose your limits may be lower than what you need to cover all of the repairs needed.
Finding where the source of the water damage started isn’t always easy. Because of this your insurance provider may ask you a few questions to determine whether your damage is covered. They will also send out an adjuster to assess and investigate your claim and to try to determine what the source of the water damage is.
Sources of Damage
One source of damage could be a sewer backup. This happens when water is pushed through the pipes of your sewer or drainage system. One of the biggest problems with this type of damage is it’s often caused by dirty water, which means it also has an unpleasant odor. Sewer backup can end up costing you thousands of dollars in damages, and according to research these types of incidents are increasing by three percent each year.
The type of damage that most people think of when they think water damage is overflow. This involves escaped water overflowing from appliances or pipes in your house. Some of these appliances may include your bathtub, sink, or washing machine. This type of flooding is sudden and accidental, which means most of the time it will be covered by your insurance. However, overflow could also include seepage, this type of damage is not sudden, which means it usually isn’t covered.
The third type of water damage you need to understand is flood damage. Now, most people use this term loosely, and it’s hard to know what insurance would consider a “flood.” Insurance providers view a flood as a body of water outside of your house rising to a point where it overflows into your home. The best way to understand if your flood claim would be approved is to see if more than just your house was affected. If it’s more than just yours than there is a good chance your claim will be covered. However, if it’s only your home that’s affected your flood claim would probably be denied.
Restoration Doctor in Miami has years of experience in water damage cleaning. We offer 24-hour emergency service and make a point to sit down with our clients to help them understand their flood insurance, so they are prepared in the event of an emergency. Call or visit us today to find out how we can help you!