What Will Insurance Cover After a Water Damage?

12/9/2021 (Permalink)

Water damage is a common insurance claim among homeowners. If you are about to make a claim on water damage to your home it’s good to know what to expect. However, it is important to note that coverage could be different depending on the situation, insurance carrier, type of coverage, and other factors. There are some items that homeowners generally have an easier time making water damage claims for than others. A few of those common items are listed below.

Problem Areas

There are some losses that homeowners typically run into problems when trying to make a water damage claim to their insurance company. These include losses that resulted from gradual damage. 

What Is Gradual Damage

Gradual damage is anything that happened over the course of a prolonged period, as opposed to an accident, or sudden damage, which happens as the result of one single event.

Will My Insurance Cover My Gradual Damage?

Loss such as leaky ceilings due to plumbing defects, water damage caused by cracks in the foundation, and in some cases, mold, fall under the category of gradual damage. These things are generally not covered by insurance. However, there may be some exceptions. For example, if mold was the result of another claim that was covered under insurance, but was not properly fixed, the insurance company would likely cover it.

Will My Insurance Cover My Water Loss?

On the other hand, if the water damage is sudden and accidental you’ll probably have a much easier time getting covered for the damages. This is the true nature of insurance – to cover accidents. Of course, everything is dependent upon the language of the policy that you purchased, but this is the very nature of insurance: coverage for sudden and accidental loss. A good practice for homeowners is to keep a record of all repairs and transactions for services that are made to your home.

About SERVPRO of Greenville/Troy/Andalusia

At SERVPRO of Greenville/Troy/Andalusia, we are not only experts at restoring your home as if it never even happened, but we are also experts at dealing with insurance companies. For a stress-free claims process, SERVPRO can help manage the insurance paperwork and process. Contact us today at (334) 371-7378 to learn more about how we can help you through the entire recovery process today!