Will your home insurance cover water damage restoration cost?

Water damage restoration is one of the costliest tasks that homeowners prefer to avoid. Isn’t it obvious? You would want to avoid any situation that causes any harm to your house and shoots up your expenditure in seconds. But when you’re hit by water damage, the only hope you have is that you can file the insurance claim to cover up the cost of Water Damage Restoration Service.

That’s where the majority of the homeowners get the biggest shock of their life. Who reads these policies adequately enough to notice the hidden meanings? But you’ll wish you had known that before building so high hopes by that piece of investment you did.

While the insurance policies for water damage restoration glen burnie vary depending on different schemes, insurance types and regions, there are some general points I can tell you about. For complete information, you’ll obviously need to read your insurance document with a magnifying glass (sometimes literally).

1. What kind of water damage is covered?

Contrary to the popular belief, your general home insurance that covers water damage doesn’t cover water damage caused due to a flood. That’s the truth. If you live in a flood-prone area, you require a flood insurance to cover the water damage restoration costs resulting from flooding.

Most of the general insurance policies cover water damage only if the water touches the inside of your house first before touching the outside ground. That’s a kind of weird way to state it, but you won’t be surprised to find similar lines in your insurance policy terms and conditions. Try it!

2. How much of the damage is covered?

Say, your house got flooded due to a burst pipe. It ruined your carpet and hardwood flooring. How much of it will be covered? The insurance covers only the damage. The cause is often not covered. So, the cost of fixing the broken pipe won’t be included. The cost of carpeting and hardwood flooring will certainly be covered under water damage restoration Hagerstown.

3. What are the things that are covered by insurance?

The building, foundation, electrical fixtures, plumbing fixtures, permanently installed furniture including carpet, and built-in appliances are covered under your insurance policy in case of water damage restoration. Anything other than that may or may not be covered.

Remember that you don’t always have to go for the lowest bid while hiring a water damage restoration service just to claim your insurance. All you need is a licensed and insured service that can help you file a claim. The cost must be according to the industry standards for providing quality work. So, even if you do not go for the lowest option available, your insurance should be covering the cost.

I suggest you read your insurance documents carefully to figure out what exactly is and isn’t covered. You can also locate water damage restoration services using SameDayPros and get some help to file an insurance claim and avail the restoration services.