24 HOUR SERVICE - CALL US AT 1-800-222-6815
Is your home or business flooded? Is there mold starting to grow on the walls? Are you looking for an
advanced, reliable and professional Water Damage Restoration, Fire Damage Restoration and Mold Remediation company ?
Is finding one for your home or business harder than you thought and driving you crazy ?
With experience since 1994, our highly trained technitions have the most modern tools available for
them to help from sewage damage cleanup to fire restoration.
Our Water removal team will be your one stop company for all your water, sewage damage cleanup, fire damage restoration and mold removal needs.
In addition to our water damage restoration services, we also provide extensive
document drying for those important documents like insurance contracts, guarantees, birth and death documents, wills, social security cards, books to magnetic and micrographic media.
You can reach us at 1-800 222-6815 if you are having any water, sewage, smoke damage, or mold problems!
Water Damage: When a Blessing Becomes a Curse
Water is considered as one of the most essential elements of life. Water is generally considered a basic necessity, an essential commodity, an indispensable matter. Yet, what we consider a blessing could turn into a curse. It could take lives and destroy properties.
Water damage comes in many different kinds. And as there are insurance for damages caused by fire, accidents, and such, one can also file and claim for damages caused by water.
Water can cause many unwanted incidents. We live in a world mostly covered of water so your chances of experiencing water related damage in your lifetime is virtually unavoidable. At home alone, damage caused by water happens often.
Homeowners insurance usually include water damage. However, water damage insurance does not cover all kinds of water damage you can think of. Therefore, it is important to know which are covered and which aren’t before making claims to avoid disappointment and frustrations.
Here is an example of what your water damage insurance can or can not cover.
- Damaged property caused by water is covered. An example of this is if a leaking ceiling damages your furniture, the furniture is covered by the insurance, but the leaking ceiling is your responsibility to fix.
- Damage caused by floods is not covered in this insurance. You have to procure a separate flood insurance.
- Anything that is accidental is covered. So you can claim water damage insurance for a water pipe that broke.
- Generally, sewage backups are not included in the coverage of water damage insurance.
- What is considered a neglect or maintenance problem is not covered in the insurance as this is considered due to your own negligence. One example is water seepage.
If you have damages caused by water, it is important that you file your claim right away. Contact your insurance company and inform them of the damages you are going to claim. The insurance representative will tell you what to do to claim your water damage insurance policy. You have to take note of all the exchange in communication between you and your insurance company, and it is also important that you keep your insurance company contact details and information easily accessible to you.
Next, assess and record the extent of the damage caused by water to your property. Take a photo or video of the damage. Fix anything you think you can fix. Damage due to neglect and lack of maintenance is not covered in the insurance so you must do what you can so the insurance company will not reject your claim for those reasons. Keep all the receipts for the repair of the damages for reimbursement. Make a list of missing or damaged items for replacement.
When you have done all these, you may now wait for your claim. You may get in touch with your insurance company so you can be updated with the developments on your claim. Should you have any objection, you may complain to the state insurance commissioner.
Water damage insurance claims are one of the most common claims made. This goes to show that water damage is very common so it is only sensible that you get one for yourself too.
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