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The Significance of Water Damage Insurance

One of the most common homeowner’s insurance claims deals with water damage that requires the help of a water restoration company in Kennesaw. Most homeowner’s insurance policies cover basic water damage, meaning damage that occurs from an accident or sudden event rather than gradual damage caused by poor maintenance, slow leaks, or other causes. It’s important to understand what types of water damage your insurance will cover because insurance is usually the most affordable way to take care of water damage. Here’s what you need to know.

Water Damage vs. Flood Damage

The first thing you need to note is that there’s a difference between water damage coverage and flood damage protection. Flood damage is any damage caused by mudflow, overflow, or unusual accumulation of runoff of surface waters. A flood also affects more than one property. Homeowner’s insurance will not cover damage from an actual flood, so you may want to consider this additional coverage through the National Flood Insurance Program if you don’t currently have flood coverage and are concerned about your risk.

Cleaning Up Water Damage

Water damage coverage is important because cleaning it up can be a major hassle and can cost thousands of dollars. Water damage is a problem that must be addressed properly in order to avoid additional problems like mold. Filing an insurance claim for water damage ensures you’ll have proper water mitigation in Kennesaw through a reputable restoration company and that the restoration work begins right away. Attempting to clean up the water damage yourself without professional help often leads to more damage and expense down the road.

Resulting Damage

Another reason water damage insurance is so important is because even though the initial cause of the water damage, like a broken pipe or appliance, might not be covered, the resulting damage may be covered. In many cases the resulting damage is often more expensive than the initial cause of the damage, so it’s valuable to have that coverage to rely on.

Gradual Damage Coverage

Unfortunately, most basic water damage coverage is limited to only sudden or accidental water damage, not gradual damage. However, there are some instances when gradual damage may be covered. One example is if mold results from previous water damage, although you may be required to purchase mold coverage as well. In addition, if additional damage from a previous claim went undetected, the resulting gradual damage may be covered.

Avoiding Denied Claims

Although water damage insurance is extremely important, it can get confusing with exclusions, especially where gradual damage is concerned. That’s why it’s important to talk to your agent before your home suffers water damage to understand exactly what’s included in the policy and what specific wording means. This can help you avoid any unpleasant surprises if you need to file a water damage claim. You can also avoid denied claims by having professional maintenance and inspections done on your home, especially on the roof and plumbing system. Keep a detailed record of this maintenance in case you ever need to make a claim. In addition, do your own regular maintenance to ensure things are in good working order. Finally, make sure you have the best insurance you can afford and that you understand all the coverage and wording in the policy. Contact Integrity Restoration & Remodeling Contractors LLC today to learn what questions to ask your insurance agent about water damage coverage to ensure you’re properly covered.