The power of water is incredible. Even a relatively small amount of water can do tremendous damage to a home in a short time. If you have been impacted by a water-related disaster in your home and need to start rebuilding, you are surely wondering how insurance plays into the process. This article will take a closer look below.

 

As you search for restoration companies that can work with insurance providers and complete the necessary work quickly and correctly, AdvantaClean is clearly the right choice. We have tons of experience in water damage restoration and will jump into action as soon as you give us a call.

 

It Always Depends

We have to start this article in a way that isn’t entirely satisfying – by saying that what is covered by your homeowner’s insurance policy is going to depend from one situation to another. We can’t be sure exactly what is covered by your policy because we haven’t reviewed that policy. You’ll have to take a closer look at the document to figure out what is going to be paid for when repairs are needed.

 

With that said, there is a common distinction that often determines whether or not water damage repair is going to be covered. Most of the time, water damage that falls into the category of being “sudden and accidental” will be covered, while water damage that happens as the result of negligence on the part of the homeowner will not be covered. The insurance company is usually going to want to carefully review the property to understand what happened and whether or not they will be required to pay out on the claim.

 

A Few Examples

So, what kinds of water damage are likely to be covered when a homeowner files a claim? Storm-related damage is near the top of the list. This meets the definition of “sudden and accidental”, so something like a roof that was damaged in a storm and then let water through into the home would very likely be covered. Also, when a pipe bursts in freezing conditions and leads to water damage in the house, that too has a good chance to be covered by the insurance company.

 

Where coverage won’t likely be found is when water damage results from long-term leaks or other issues stemming from poor maintenance. It is the homeowner’s responsibility to keep up with basic maintenance and watch for signs of problems throughout the building. If no maintenance is done and problems are ignored over time, it may be hard to get the claim approved.

 

There is one other point that needs to be made here – water damage from a flood is usually not covered, as such events are usually classified under “flood insurance”. You’ll likely need to carry a specific policy to protect against that event, as it usually isn’t a default part of regular home insurance.

 

Call Today to Learn More

The only thing that matters in the aftermath of water damage is getting back on your feet as quickly as possible. AdvantaClean would be proud to play a major role in that process, and as experienced Greensboro contractors in this area, you can be sure we are more than up to the challenge. Take a moment today to reach out and get started. 

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