When water damage strikes your property, the first thoughts are often about the mess and the cost. It’s a stressful situation, and the question of insurance coverage is a major concern for most property owners. Here at Century Restoration & Construction, we’ve helped countless clients navigate this exact problem, and we want to share our insights to give you some peace of mind. The good news is that in many cases, your policy will cover the cost of emergency water removal.
Understanding What’s Typically Covered
Most standard homeowner’s insurance policies cover water damage that is sudden and accidental. This includes scenarios like a burst pipe, a washing machine hose failure, or an overflowing appliance. In these cases, your policy will typically pay for the necessary mitigation and restoration, including the crucial first step of professional water extraction.
Common Policy Exclusions to Know
Coverage usually does not extend to damage resulting from gradual leaks, poor maintenance, or neglect. A slow drip under the sink that you haven’t fixed, for instance, would likely be denied. It’s also vital to know that damage from natural floods (rising ground water) requires a separate flood insurance policy.
The Importance of Immediate Action & Documentation
Your policy requires you to take reasonable steps to prevent further damage. This is why calling for emergency water removal services immediately is so important. You should also document everything by taking extensive photos and videos of the affected areas and damaged items before any cleanup begins. This documentation is crucial for a smooth claims process.
How a Professional Restoration Company Helps
Navigating an insurance claim can feel overwhelming on top of dealing with the water damage itself. We work directly with insurance companies every day. Our team uses industry-standard software to document the damage and estimate repair costs, ensuring your claim is thorough, accurate, and processed as quickly as possible for you.
Dealing with water damage is tough, but understanding your insurance coverage can make it manageable. Remember that sudden, accidental damage is usually covered, but prompt action is key. If you’re facing a water-related crisis, our team is here to help you through every step. Learn how Century Restoration & Construction can handle the water removal and help streamline your insurance claim by contacting us 24/7.
