As a homeowner, it’s quite probable that you have devised ways to secure your property from risks such as fire and water. Are you aware of any existing homeowners insurance policy and what it covers? If your answer is no, then it’s about time you find out about the existing home insurance covers including the common water damage scenarios that they cover.
Working with a home insurance company to protect your property against disasters and accidents will save you money. The insurance company will cover your property from water damage caused by burst pipes and not if you left the house unoccupied. Do not claim compensation for water damage from an unoccupied house as doing so can get your claim denied.
It will be easy to restore your home and property after the occurrence of a disaster such as flooding caused by a nearby lake. Disasters occur in different forms including flood damage, accidental fires and personal injuries from accidents.
As a property owner whether you reside in the plain or highlands, you are prone to water damage risks. You can acquire a flood insurance policy to protect your family and property from the following common water damage scenarios. Below are some of the common water damage scenarios and their insurance consequences:
Your home basement is prone to water damages and it might take quite a while before you get to discover it. The fact that most basements do not involve a lot of activities for many homes the riskier it is for them to be destroyed by water leaks. It may begin with just a small slippage of water into it but in the long run, it bursts into a serious problem.
You will soon see mold growth on the walls or areas near the standing water. The cause of the flooding in your basement may result from your washing machine overflows and cause serious damages if not handled in time. Flooded basements are a common problem in homes and a possible damping zone for other malfunctions. To get an insurance claim for such, you will have to prove to your insurance provider that it was accidental damage and not a house maintenance issue.
The damage to your basement and your personal property are covered, but not the damage to your manicured lawn. At the Pacific NW water restoration company, we can help to reinstate your basement back in shape from water damage. Using our water damage restoration services, we will work to clean the basement, drain out the water and secure it. We will work to identify the source of water leakage and reconstruct it for a permanent solution.
Leaking water scenario and related insurance company claims
Burst pipes, leaky appliances and flooded basements often lead people to discover the details of their home insurance policies. Most of the time, if an appliance breaks and water leaks, insurance covers it. Depending on the location of the water leak, it might take you a while before you realize the serious damage that it can cause to your home.
Roof leaks can unexpectedly develop due to a fallen branch that creates a gaping hole, heavy rainstorm, snow, or extreme weather. It's possible that water from excessive rainfall slips into the roof settling on top of it and eventually starts leaking. You will require the services of water restoration experts to help you assess the extent of the damage and how to restore it.
Water damage insurance claims are common for most insured households in the US. Water leak in homes could also be caused by undiscovered broken pipes causing wood damage and other risks if not fixed as soon as possible. Flooding isn't covered by home insurance. Instead, you must purchase flood insurance to properly protect your home, belongings and financial future. You can purchase flood insurance as long as your community participates in the National Flood Insurance Program.
A faulty plumping system scenario and the home insurance claim
Your plumbing system if not well set up can become a risk zone from water leakages that eventually cause damage to your personal property. Such a situation may take several days for you to discover. If you have an acquired home insurance coverage then it may be easier to manage the water damage on your property.
A home cover will consider damages resulting from a sudden, unforeseen problem such as a frozen pipe leads, your home insurance covers repairs both the broken pipe and your home and furnishings. Addressing a faulty plumbing system in time will save you from the adverse water damage effects on your facility. Unless you are a professional plumber, do not do it by yourself as you might make the situation worse or create another maintenance problem.
Common areas prone to the effects of poor plumping function include the sinks, bathrooms, and toilets. Watch out for any possible wetness in those areas as it could be a sign that something is wrong with your water connection.
Malfunctioning sewer back ups can be the worst nightmare for any homeowner. This is a problem that should be handled immediately once noticed without any delays. Sewer backups not only cause flooding in the home but also have health implications and are catastrophic. If you notice sewage flowing back to your home bathroom, treat it as an emergency and seek immediate help.
Such a scenario poses a high risk to the well-being of the home occupants. Sewage contains diseases causing bacteria, therefore, putting your entire family at risk. Contract professionals from the Pacific NW restoration company for such cases to protect your family from falling sick. Our company will work on identifying the level of contamination using the recommended tools and permanently repair the fault. Do not take chances with the health of your family members by procrastinating on finding a permanent solution for any sewage-related damage.
Malfunctioning or broken appliances
The reason why you cannot identify the source of consistent water spillage in your home could be a fault in your home appliances. Common home appliances that are possible causes of such a situation are washing machines, dishwashers and water heaters.
If they develop faults unnoticed with continuous usage you are likely to experience water leakages. When this happens, the rest of your properties and items are at a big risk of water damages. You will need to purchase replacement parts for your washing machine out of your own pocket because they were not maintained correctly, but the damage to your basement is covered.
Remember that some of your items could be made of materials such as wood which cannot stand water for long. To protect the rest of your property, engage the help of a water restoration company to inspect your home in case you suspect any unexplained water leak from the water pipes.
A professional water restoration company will get to assess all your items and vulnerable areas in your home and make a recommendation for solutions. Home insurance companies will be willing to cover your valuables against faulty appliance damage as long as it’s not out of pure negligence. Consult a home insurance cover company near you to be aware of what water damages are covered before deciding to take a policy.