By Michael Panster
There is much confusion as to what kinds of water damage is covered by an insurance policy for homeowners. With a lot of mold claims being rejected, owners of homes have many questions in regards to their homes experiencing water damage.
Examples Of Water Damage Type Your Insurance Could Cover
Insurance policies for homeowners won’t cover damages due to a flood, however depending on the kind of policy you have, it could cover a lot of other types of water damage. Open perils, for example, usually pay for damage from rain entering through a hole in your roof or a window that is broken by powerful storm winds. If you have a pipe leaking which is hidden on the other hand, and water damage happens over time, it might not be covered due to negligence in regular home maintenance. It comes down to whether or not the water damage was made by a peril that is covered like a storm. If the damage happens because you haven’t kept your home repaired and maintained, then your insurance will not cover it. If you are not sure what water damage is covered, look over your home insurance policy and check with your insurance company now before you experience any damage.
Cleaning Up Water Damage To Avoid Mold
No matter how the water damage happened, you need to take the same necessary steps to fix it. Do not ignore indications of a water problem in your home which is obvious. You immediately should try to find and stop any leaks at their source. When you have water leaking into your property, moisture can build up, letting mold grow. Mold can cause your property to be damaged further, and can potentially cause health problems. Many insurance companies are restricting mold damage. However, some damage from mold might be covered if it resulted from a peril that is covered. You need to report any water damage immediate to your insurance agent.
When Water Damage Is Caused By A Storm
When sudden water damage happens to your property, like with a storm, it is important to contact professionals right away so they can begin to dry out all the wet areas and get the air circulating in your home. They can also cover any dry areas to stop more water damage. Drying, covering and dehumidifying the wet areas can help to lower the possibility of mold growth as well. Always keep in contact with your insurance agent and get your claims process started right away.
Gradual Water Damage
When you find water damage that has been caused by a leak over a period of time, it is unfortunate that mold might have already started to grow. Trying to clean up the mold yourself can cause it to spread and cause greater problems such as health problems. It can be quite dangerous, so you should leave the professional mold remediation company as soon as you find the mold. You can also call your insurance representative to see if any of the damage will be covered.