3 Things to Know about Water Damage Cleanup and Insurance
Water damage should be covered by insurance, but it all depends on how you file your claim.
Water damage isn’t always covered by insurance. Before you try to file a claim, it’s important to know how the damage has occurred and what your insurance policy covers. Floods, septic backup, broken pipes, and broken aquariums are just a few common sources of water damage. Your insurance company handles each of them differently.
You might need a rider. Insurance companies sell additional protection for special situations. Floods and septic backup are commonly covered by policy add-ons. Without a rider, your insurance company won’t pay your cleanup bill.
Ongoing damage is rarely covered. If your faucet leaks once and destroys the floor, you’ll like be able to have it replaced. If your faucet leaks over the course of a year? You’re probably out of luck. Known leaks are considered maintenance issues not accidents, and ignoring the problem places you at fault.
Multiple sources of water problems muddle the claims process. During a heavy rainstorm, flood waters can enter your basement. At the same time, your sump pump can fail and contribute to covered water damage in your home. In these situations, it’s imperative to work with a recovery specialist so your claims are worded in the right ways.
contact Whitehall Carpet Cleaners today.Schedule a consultation for professional water damage cleanup. At Whitehall Carpet Cleaners and Restoration, we understand what’s needed to meet the demands of insurance companies. Let us help make the process as stress-free as possible. Give us a call today at 803-732-3200.