Insurance and Water Damage

2/10/2023 (Permalink)

Is your water damage covered by insurance?

Water damage is a common occurrence that can occur at any time. When water gets into your home or business, it can cause everything from mild cosmetic damage to expensive structural damage. Your insurance policy may cover some types of water damage, but there are many types of water-related incidents that aren't covered by standard policies. Knowing the difference between what's covered and what isn't can help you prepare for any eventuality.

What’s Covered?

If you have suffered from any type of water damage, whether it's from floods, burst pipes or frozen pipes, you may be eligible for coverage under your homeowners insurance policy. Flood waters and storm damage can affect your entire house. 

Sewer backup is also a common problem coming from a clogged drain or a cracked pipe. Water can collect in your house basement without proper drainage. If sewage backs up into your home, you need to call a plumber immediately. Most homeowners and renters insurance policies cover sewer backups caused by septic system failure or backed-up municipal sewers.

Some water damage falls into an insurance "gray area."

Some water damage falls into an insurance "gray area." While your policy may cover some types of water damage after an accident, it may not cover damage caused by lack of maintenance in your home or apartment. For example, if you forget to clean out your gutters in the fall, your roof and eaves may not be able to withstand the burden of snow and ice during the winter. This could cause water damage — but it's not accidental, and so it would not be covered by your insurance policy.

That being said, don't worry too much about these kinds of things! Insurance companies have plenty of experience dealing with claims like these--you'll probably get plenty of help navigating them from them when they come up!

Having home or business serviced by professionals that are certified both in remediation (restoration industry standard) and reconstruction will help ensure complete coverage from floor to ceiling as well as outside grounds or lot. 

SERVPRO in Ebensburg is locally owned and operated and IICRC certified for water damage restoration and building construction & restoration. Being certified is important because it ensures you're working with professionals who are trained in the most up-to-date methods and techniques. You can also rest assured that your property will be restored to its preloss condition, which means that if you want to sell your home or business at some point in the future, you'll have peace of mind knowing it will look just as good as it did before water damage happened. IICRC certification isn't just about making sure customers get high quality workmanship, it's also about protecting their investment by ensuring they receive full coverage under their insurance policy. As a result, when choosing a restoration company for any type of water damage clean up job - whether residential or commercial - make sure they're certified by asking them directly!

If you are looking for a water damage restoration company, SERVPRO of Ebensburg is here to help. We have been providing quality service to our community and we have the knowledge and experience needed to make sure your property is restored back to normal as quickly as possible. For more information, give us a call today!