Water Damage, Water Damage Restoration

What Does My Insurance Cover?

A common question in the water damage world is “Will my insurance cover this?”. It’s a tricky question to answer. Homeowners submit claims for water damage more than any other issue. Since water damage causes millions of dollars of damage each year, this isn’t a surprise. Water damage is often covered, but it depends on how it occurred in most cases. However, let’s be clear on one thing…flooding damage is not covered by any homeowner insurance company. It is only covered by the National Flood Insurance Program – which is not available to everyone. You can check their site to see if your area is eligible for this program.

Homeowner insurance companies don’t cover damaged items that should have previously been replaced. For example, if an old, corroded pipe breaks and floods your basement, your homeowner insurance company will probably not cover the broken pipe. However, it will probably cover the damage caused by the water from the broken pipe. Homeowners are expected to keep their property in good working condition so insurance companies don’t replace things that should have been replaced previously.

That said, all insurance companies are different. Be sure to know the ins and outs of your homeowner insurance policy. There’s no way to truly know what’s covered without reading and discussing your options with your homeowner insurance carrier. In the event of a water damage event that is covered by your homeowner insurance company, our water damage restoration team will work with them directly to save you the time and hassle.

Contact us today for your water damage restoration needs. Whether your homeowner insurance covers your claim or not, we are here to help. We’re here 24/7 and will work relentlessly to bring your home back to its pre-loss condition. And please note that while your homeowner insurance company can recommend a water restoration company for you to use, the ultimate decision is yours.