Often there is a lot of uncertainty about the types of water damage that is being covered by your home insurance policy. Many insurance companies deny any mold claims due to inferior quality roofing company. This leaves homeowners wondering if the same would happen if they submit a claim for water damage repairs. Let’s take a look at what is covered under a home insurance policy.
Typically, homeowner insurance policies don’t cover flood water damage roofing contractors. However, it depends on the insurance policy you have as some cover other kinds of damages caused by water.
An example of this is when damages occur due to rain coming through a broken window or a hole in your roof should strong storm winds have caused it.
On the other hand, if there is a hidden pipe that leaks into your home resulting in water damages, then it may not be covered. In other words, it boils down to whether the losses were caused by natural disasters such as a storm or they are due to a lack of maintaining your home. If you are not sure what is covered or not, just review your home insurance policy before and damages occur.
Avoid Mold by Hiring a Local Home Restoration Services Company
Irrespective of how the water damages occurred, the important thing to do is to hire a water damage cleanup company who would take the necessary steps to rectify the situation. One should never ignore any signs of an obvious water problem in your home.
Take action immediately by letting an experienced roofer locate the source and stop the leak. By allowing water to leak into your property, moisture starts building up, allowing mold to develop. Needless to say, mold will result in extensive damages to your property and possible health problems.
Adverse health effects from exposure to mold can range from having a runny nose, congestion, nosebleeds, sinusitis, and coughs to upper respiratory ailments like bronchitis or asthma.
Several insurance agencies have strict policies in place against mold damage. However, some mold damages are covered if caused by some natural occurrence. Any signs of water damage and mold should be reported to your insurance agency.
Damages Caused by a Storm
Any damages caused to your property due to a storm should be taken care of without fail by professional water remediation companies. They will ensure all wet areas get dried and initiate air circulation to speed up the drying process. Also, it would largely depend on the severity of the storm or the possibility of it returning, they will cover any affected areas with a tarp to avoid additional damages. By covering, drying as well as dehumidifying wet areas, you’ll minimize the chances that mold will accompany water damages. Whatever you do, always contact the insurance company right away to start the claiming procedure.
Water Damages Taking Place Gradually
You may wonder what you can do if you spot a leakage problem that happened over time. At this stage, it is apparent that mold would have developed and that your insurance claim will not be covered. Due to panicking, you may attempt to clean up the mold, but then unknowingly spread the mold spores. Unfortunately, it may result in greater property damage or even health problems.
Mold can be hazardous to your health. Therefore, it is critical that any mold testing and cleaning up be conducted by top water damage restoration companies the minute mold is detected. Also, get hold of your insurance agency as soon as possible to find out if they are willing to cover any damages covered under your policy.
An example of cases where an insurance company will cover water damages would be when you go on holiday, and one of your family members decide to use the bathroom one last time. Without realizing it, they flushed the toilet, and the handle got stuck, resulting in the cistern pumping water for days while you are enjoying your vacation. When you return from your vacation, you discover the whole house got flooded and ruined. Your insurance firm would regard this as an accidental and sudden discharge of water and cover it.
It is at times like these that you need to call in the professionals to provide water damage restoration services without fail.