One of the most common questions we are asked is, “Will homeowners insurance cover the water damage to my home?” Experiencing water damage is no picnic, and worrying about how to pay for water restoration and repair can easily rub salt in an already open wound.
Does Insurance Actually Cover Water Damage?
When water damage occurs in your home, often through no fault of your own, restoration is absolutely necessary, but that doesn’t mean your insurance company has to cover the costs. Whether they will or not is entirely dependent on the type of coverage you have taken out on your home, as well as the finer details laid out within your plan. There is nothing any water damage specialist can do to make an insurance company pay for the costs if the house is not covered. If you are covered, a good water damage specialist will help you through the insurance claim process.
Making the Insurance Claims Process Easy
Established water damage specialists are used to coordinating with insurance companies to work out payments and establish how much, if anything, homeowners owe. They can make the process a whole lot less intimidating for you.
Here’s what you can do to make it less of a headache:
- Document the damage: make sure to take as many pictures of the damage as possible and make a list of any items that were destroyed or damaged as a result.
- Call a water damage professional first: they will be able to describe the damage more thoroughly to your insurance company and work directly with them. They will also be able to provide all the necessary information and better calculate the costs of repair.
- Review your insurance policy: this will help you understand what is and is not covered.
Don’t Wait, Call Today.
If left untreated, water damage can really cause serious damage to your home. When it comes to water damage restoration, it’s best to act fast. Contact SOS Cleaning and Restoration today to get started.