Are you standing ankle-deep in a wet mess? Surrounded by water, whether it be from a flood, a busted pipe, or something else, your mind is likely racing with questions. How are you going to clean up this mess?
How are you going to replace things that have been damaged beyond repair? Among all the questions you may have, there is one that will hit you with a painfully sudden realization, “Does my homeowner’s insurance cover water damage?”.
Whether you’re in the midst of an active case of water damage, or you’re just trying to better prepare yourself for an unpredictable future, United Water Restoration Group of Charlotte would like to take this time today to help you answer that all-important insurance question.
When asking yourself if a homeowner’s insurance covers water damage, there are some important variables to explore. Namely, you’ll want to ask what were the circumstances surrounding the water damage. You’ll also need to learn whether or not the water damage was related to an outside source like a flood or a drainage backup.
A sudden onset of water damage is often one that’s considered unavoidable. A faulty appliance or pipe connection that was no fault of a homeowner is generally covered by homeowner’s insurance.
However, if the water damage is the result of property negligence like outdated plumbing and improper maintenance and upkeep, asking “Does homeowner’s insurance cover water damage?” is likely to be met with a justifiable no from your insurance provider.
Unless you have additional coverage for your home, you may be surprised to learn that water damage as a result of a flood or drainage backup actually isn’t covered by homeowner’s insurance.
These are normally separate coverages you should seek out. While it typically costs a bit extra per month it’s worth it to have the extra protection on hand. You don’t want to be met with a bad answer when you ask yourself if your homeowner’s insurance covers water damage.
When you’ve determined whether or not the water damage is covered by your insurance provider, you’re going to want only the best professionals on the job to clean up and repair water damages.
United Water Restoration Group of Charlotte is ready to take your call 24/7. We’re able to work with all insurance providers, and after a brief discussion with one of our trained technicians, we can be on-site as soon as possible. Call us today at (704) 228-8888.
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