Does Home Owner’s Insurance Cover Water Damage?

Does Home Owner’s Insurance Cover Water Damage?

Does Insurance Cover Water Damage?

Life after water damage is often challenging. Emotions are high and frustrations go through the roof. It is also the time you find yourself seeking answers to questions such as what is going to happen and what to do next. One of the most important questions that arise from water damage is whether the homeowner’s insurance will cover the damage. Here are five crucial things every homeowner should know about water damage and insurance.

Water and flood damage have different insurance policies

Insurance companies offer different policies for water and flood damage. Most people think that water and flood damage are two closely related things. They only realize that they are wrong when it is too late. Insurance providers do not include flood damage in the homeowners insurance package. The best thing is to ask the insurance company or go through the National Flood Insurance Policy briefings to know more about flood damage insurance, especially if you are living in areas that are prone to flooding. Also, make sure you distinguish if your claim is for water or flood damage so that the provider can adjust it appropriately.

Some aspects of the damage are not covered

You need to evaluate your insurance policy to determine the things that are covered and the ones that are not. Some insurance companies can cover you against sudden damage due to a storm or a leaking pipe while others do not. Most insurance providers do not cover people from the damages caused by poorly maintained water systems.

Time is of the essence after a damage

It is only a matter of time before you experience a catastrophic event after a damage. You need to come up with water damage restoration techniques as fast as possible before everything gets worse. Mold can grow on the property and cause secondary damage and serious illnesses. A growing mold has the potential to cause irreversible damages such as permanent stains that can only go away after repeated painting.

There is usually a grace period of one to two days before the molds begin to grow. To prevent the growth or the spread, you need to outsource services from a water damage restoration expert.

You should notify the insurance company immediately

The insurance company must know about your predicament right away. Once you communicate, the company will send its agents to your home to begin the claim process. They will also provide you with helpful tips on how to stop further damages or prevent a similar occurrence in the future. You will need a qualified water damage restoration specialist to help you navigate  the claims process so you can get the full coverage you deserve.

The damages caused by water are classified into three categories based on the quality of the water that caused the damage. Category 1 consists of water that comes from a clean source. This water is less harmful, as it does not cause illnesses or any other negative long-term effect. Category 2 consists of water that has bacteria. It may cause illnesses, especially in children. Category 3 water has a significant amount of contaminants. This water can cause serious illnesses and even death. Category 3 water can come from a sewage, a storm or an overflowing toilet. Category 1 water can be contaminated and change to Category 2 or 3 if it stays for a long time without any attention.

Highly contaminated water may prompt the restoration team to use an aggressive approach to clean the property. Such techniques may involve destroying your carpets or furniture so as to protect you from the possible illnesses.

Water damage restoration services

Damages caused by water can affect your life negatively. It is important to take stringent measures to tackle them appropriately and on time. Our company is a MasonPro Water, Fire, and Mold Damage Restoration. We have a team of experts with many years of experience in water damage restoration and prevention. We work with our clients on a personal level to ensure that they get back on their feet faster.

Tips to Prevent Water Damage in Your Home

Tips to Prevent Water Damage in Your Home

Brought to You by MasonPro Water, Fire, and Mold Damage Restoration

Tips to Prevent Water Damage in Your Home 

One of the most common problems that can occur on residential properties is water damage, which can destroy personal belongings and lead to mold. Those who have water damage in their home often have to replace warped or deteriorating materials that have become wet. To reduce the risk of water damage, there are a few important steps to take as a homeowner to protect your property.

Inspect the Washing Machine Hoses

Blown washing machine hoses are known to cause water damage , which occurs when the hoses are old or are overused. The washing machine hoses should be inspected every few months to ensure that the products aren’t at risk of breaking. It’s also important to avoid washing larger loads in the appliance, which can place extra stress on the machine when it’s in use.

Look for Water Leaks

Water leaks that are present in the home are an indicator that there’s a high risk of water damage that can begin to develop over time. Leaks are often present in the showers, on the roof, and near the water pipes that are installed. If leaks aren’t detected early on, it can quickly lead to mold that develops, which is a health risk to residents and pets that are living in the building. If you notice dark spots or bubbling on the ceilings, it’s important to contact a professional handyman immediately to determine the source of the leak.

Clean the Gutters

Many people fail to clean the gutters that are installed on the house, which can quickly lead to water damage due to improper water drainage. Water can begin to accumulate and become backed up on roofs if it’s not draining off of the building each month with standing water that is present. Cleaning the gutters out during the fall and winter season is critical to maintaining the home and reducing the risk of a leak that can develop on the roof. Downspouts should be five to 10 feet away from the home to promote drainage.

Repair Clogged Toilets

It’s common for toilets to periodically become clogged in the home due to too much material that is flushed. Although overflowing toilets are prone to occur at times, it shouldn’t occur on a consistent basis. A clog is the main cause of toilets that become backed up, making it important to remove the blockage after turning off the water source. Turning off the water can make it easy to avoid spillage when the toilet becomes clogged. Experts also recommend hiring a professional to inspect the toilet every four to six months to ensure that it continues to function well and reduce the need for water damage restoration services.

Monitor the Water Bill

Homeowners should evaluate their water bill each month to determine if it’s increasing each month. Water bills that become high may indicate that there’s a leak that is present and that damage may have already occurred on the property, requiring the need for water damage restoration services.

Summary

Performing preventative maintenance can save you a lot of money and time in the long run.  If you do find yourself in need of professional Water Damage & Restoration Services don’t hesitate to contact MasonPro Water, Fire, and Mold Damage Restoration. We are open 24 Hours a Day 9738766715.