When a drain backs up, a pipe bursts or flooding occurs in your house, it can be difficult to see past the mess. Because of the, a lot of questions will definitely run through your mind like what you should do next, or what is going to happen after that, or if your valuables and appliances were damaged. But, the most important question is if your homeowner insurance will cover the water damage.
We can all certainly agree to the fact that water damage is very stressful. And, the more you are knowledgeable about water damage, the better and faster you will be able to decide on how to properly address it. In this article, we have listed the most important things that you must know about water damage as well as how to deal with it.
- There Are Varying Insurance Policies for Water Damage and Flood Damage
You may think that water is water. However, whether it is from a burst pipe or flooding, flood damage isn’t covered under the insurance of a homeowner. Furthermore, if you are living in a location that is likely to experience frequent flooding, you’ll probably have another policy through NFIP or the National Flood Insurance Policy. The moment you report your claim to your insurance company, you need to make sure that you are able to specify whether your claim is for flood damage or water damage so that they can correctly start adjusting your claim.
- Not All Water Damages are Covered by Your Insurance
It’s really a great idea that you look at the policy of your insurance as well as familiarize yourself with all your water damage coverage exclusions. For instance, a lot of insurance policies cover sudden damage, such as water damage from an overflowing washing machine or a really bad storm. But, any water damage that takes place because you did not maintain your property might be excluded, and gradual leaks which caused water damage over time.
- Make Sure to Solve the Water Damage Issue Right Away Before It Gets Even Worse
The moment your residential or commercial property has been damaged by water, chances are you do not have the luxury of time to wait around for the most convenient timing to start cleaning your home or office. Secondary damage from mold buildup can actually present hazardous health risks that are associated with mold in your living or working environment.
Certainly, mold spores are everywhere. However, they also need moisture as well as the nutrient source in order to grow and that’s exactly what your drywall or wet carpet offers. Most of the time, there’s 24 hours to 48 hours window from the time an item gets soaked in water until mold can start to grow. After that, mold will rapidly multiply. This is the reason why it’s best that you hire a professional water damage restoration service provider right away if you are in this situation. The professionals can surely be able to provide you with quality water damage restoration service since they are the most experienced and knowledgeable in this field.