Water Damage

What You Should Know About Water Damage

When a pipe bursts in your house, there is a clog in a drain causing water backup, or your house becomes flooded, it can be difficult to look past the damage. There may be several questions going through your mind including:

•    What is going to happen to your house?
•    Have your personal belongings been ruined?
•    What are the next steps you should take?

However, one of the most important questions you may have will be in regards to your homeowner’s insurance and if the insurance will cover the damage.

There is no doubt that having water damage in your house can be a source of extreme stress. Fortunately, the more informed you are, the more prepared you will be to handle the process. There are three things that homeowners should know about water damage.

Not All Types Of Water Damage Is Covered By Insurance

You should take some time to read over your homeowner’s insurance policy to see if there are any exclusions included when it comes to water damage coverage. For example, a policy may provide coverage for sudden flooding as a result of a storm or a flooded washing machine. However, the same policy may not provide coverage for water damage due to gradual water leaks.

Different Types Of Policies Exist For Water Damage And Flood Damage

Although you may think that water damage is water damage regardless of whether it occurred due to flooding damage or a pipe that has burst, flood damage is typically not included with homeowner’s insurance. If you live in an area that is prone to flooding, you may have already purchased additional flood insurance. When the time comes for you to make a claim, be sure to specify if the damage is related to flooding or water damage. This will allow the insurance company to process your claim accordingly.

Once Your House Has Been Damaged By Water, The Clock Begins

Once your house has sustained water damage, it is only a matter of time before the damage becomes worse. You do not have the luxury of waiting around before the cleanup process begins. Mold growth is secondary damage that can create serious health issues for those who live in the home.

You will have a window of up to 48 hours between the time your house gets water damage and the mold begins to grow. The mold will begin to grow rapidly, and you will need to hire the services of a professional mold removal service.

Water damage is expensive and dangerous. Prevention is the best way to keep your house safe, but it is important to know what to do if damage does occur.