Insurance Claims for Water Damage
Water damage is the second most common claims for home insurance. If you are preparing to make a claim on water damage it would help you to know what to expect.
You might run into some trouble making your claim if you are claiming a loss that was the result of gradual damage. Gradual damage is anything that happened over the course of a prolonged period of time, as opposed to an accident, or a sudden damage. Loss such as leaky ceilings due to plumbing defects, water damage caused by cracks in the foundation, and in some cases, mold fall under the category of gradual damage. These things are generally not covered by home insurance.
However, there may be some exceptions to these cases. For example, the insurance company would likely cover mold if it was resulting from another claim that was covered under insurance, but was not properly fixed, and the mold was the result.
On the other hand, if water damage is sudden and accidental you’ll probably have a much easier time getting covered for the damages. This is the true nature of insurance – to cover accidents. Of course everything is dependent upon the language of the policy that you purchased, but this is the very nature of insurance: coverage for sudden and accidental loss. A good practice for homeowners is to keep a record of all repairs and transactions for services that are made to your home.
At SERVPRO of Alexandria we are not only experts at restoring your home “Like it never even happened.” We are also experts at dealing with insurance companies. Contact us to learn more about how we can help you through the entire recovery process today!