Water Damage Insurance can be tricky and can happen at any time. There are great chances that water damage will happen to you during your homeowner’s lifetime. Water damage insurance claims are among the most common types of property claims and the primary source of frustration.
Hence, if you speak to your insurance representative based on what is visible to you at the moment of the call, you may have inadvertently created hardship for yourself. So, if water damage happens to your home or business, there are a few things to know. Water Damage Insurance 1:1Check your insurance policy. In a nutshell, there are many different water damage insurance coverages, and they all vary. Before calling your insurance to log a water damage insurance claim, always ask for a certified copy of your insurance contract. Ask your insurance inside sales representative or agent to include all provisions, exclusions, and conditions. An insurance policy is a complex document with sometimes conflicting and confusing provisions for homeowners that are not used to reading and interpreting them. As an insurance policy uses a specific language, there is no shame in asking for a specialist’s second opinion. In some cases, public adjusters can help you clarify obscure sections of your insurance policy. Even if most insurances cover for accidental or sudden damage, like in the case of a burst pipe in a basement, a toilet overflow, or sewer backup, other forms of water damage appear progressively and cause other issues to your building structure. In the case of mold, for instance. Mold can develop progressively following water damage that was not identified or if the remediation was not appropriately handled. Typically, most homeowners would call their insurance and file an insurance claim for water damage to cover the remediation work. Of course, most people expect their insurance to cover this type of water damage fully. In reality, most of these claims are denied or do not cover all costs involved in the repairs because of a different interpretation of the insurance policy. To avoid coming to that dead-end, there are a few things you can do. What To Do Before Getting Your Water Damage Insurance Claim Denied.Here is what you should consider when preparing or dealing with your water damage insurance claim:
Key Takeaways
10 Comments
7/5/2021 05:08:55 am
Very interesting and thanks for sharing such a good blog. Your article is so convincing that I never stop myself from saying something about it. You’re doing a great job. Keep it up.
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8/16/2021 07:46:18 am
Thanks for sharing such great information. It is really helpful to me. I always search to read the quality content and finally I found your post. Keep it up, keep posting!
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8/17/2021 04:32:27 am
Such an amazing blog, I love reading all your blogs. They are super amazing and informative at the same time. Bookmark your page already, keep posting more
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1/30/2022 07:30:37 pm
Thank you for reminding us that following a flood, it is important that we get in touch with our insurance agent or company to ask about our claims and benefits. The other day my sister's house was hit with a massive flood due to a thunder storm. I will remind her to get in touch with a professional to start the paperworks pronto.
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2/9/2022 10:19:59 am
Most homeowners would call their insurance and file an insurance claim for water damage to cover the remediation work. Thank you for making this such an awesome post!
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3/21/2022 09:47:17 am
A pipe burst in my basement and ended up getting things wet. It makes sense that I would want to get a professional to help me out with this. That seems like a good way to ensure that I don't have to worry about mold or anything.
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4/15/2022 02:55:02 pm
Mold can develop progressively following water damage that was not identified or if the remediation was not appropriately handled. I’m so thankful for your helpful post!
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4/16/2022 08:46:58 am
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AuthorMike McCullough is the owner of County Action Restoration Archives
March 2021
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