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Water Restoration Published September 9, 2019

Water Damage and Insurance

Water is one of the leading causes of damage to a home. When a storm hits, Houston homeowners are often prepared for heavy rain and floodwaters, but what happens in the aftermath is dependent on what is or isn’t covered by insurance. It’s difficult to plan for disasters. After all, even with warning, their arrival can be fast and furious. Knowing what to expect and how to protect your home and the belongings inside is the first step in preventing a major catastrophe. 

First Things First

water damage and insurance - flooded bedroomBefore any calls are made following a disaster, make sure you and your family are safe and out of harm’s way. This may mean leaving your home until you’re told it’s safe to return. As soon as the source of water damage has been identified and properly dealt with, the first two calls you should make are to your trusted restoration company and to your insurance agent.

Next Steps

Once a claim has been filed and you know your home is safe to enter, do a quick assessment of the damage. You, your restoration company, and your insurance company will do a more thorough examination later. You’ll have the chance to give both companies all of the necessary details for their initial workups. First, make sure they are aware of:

  • The damage that’s occurred and the source of the problem. Sometimes a storm is the main cause, but other issues, like an electrical fire, might also be at play. 
  • The location of the damage.
  • Parts of your home that are exposed and vulnerable. Are there holes in the roof or any broken doors or windows? Identify these right away so you don’t sustain and are held liable for additional damage. 

Be sure you document everything. Take pictures of all the damages before anyone else enters your home and cleanup begins. Don’t throw anything away. Even items that seem to be unimportant or unsalvageable need to be documented.

Learn More: Does Homeowners Insurance Cover Roof Leaks?

Hire Professionals

restoration insurance - puroclean professional using vaccumIf your home has suffered water damage, don’t attempt to address it yourself. Not only could a DIY clean-up job hurt your insurance claim, it could also cause even more problems. Water causes both damage you can see, and some you can’t. If not dealt with properly, moisture could soak and settle in things like carpet, walls and ceilings that, if left untreated, could cause major safety and health concerns.

When it comes to dealing with water damage, it’s always best to hire a professional. The PuroClean Mitigation Services team knows exactly what it takes to get the job done. We have the experience and tools to identify the issue and deal with it quickly and professionally, allowing your family to transition back to normalcy as soon as possible. 

Talk to Your Insurance Agent

When you make the call to your insurance agent, be as specific as you can with the details of what has happened. Your agent will be able to tell you what your policy does and doesn’t cover as you start the claims process. If you have to leave your home, they may be able to disperse funds immediately. Living expenses and lodging are typically covered on most homeowners insurance policies. 

Is Water Damage Covered on Your Policy?

Once damage has occurred, an insurance claim needs to be filed as soon as possible. It helps to know ahead of time what your particular insurance policy covers. Most cover water damage caused by a leaky or broken pipe, but typically don’t cover damage from a natural disaster. In the case of a flood, a separate national flood insurance policy may be needed to cover your claim.

If the structure of your home sustains damage, repairs may be compensated by dwelling coverage. However, it’s important to keep in mind that policies do not cover damages due to lack of regular home maintenance. Be sure to keep up with regular repairs. Check your pipes for leaks or corrosion, and take care of problem areas as soon as you notice them. 

Learn More: 7 Surprising Things Your Homeowners Insurance Won’t Cover

We’re Here for You

puroclean mitigation services - puroclean van and equipment in garageIn the wake of a disaster, PuroClean Mitigation Services is with you from start to finish. Our team handles everything so you and your family can focus on getting your lives back to normal. We collect evidence to form an estimate, clean, address the damages and work with your insurance company on your behalf. Our goal is to get you the most from your claim so you can start rebuilding your home and restoring your life. 

The Bottom Line

Reality is, we never know when disaster will strike. Even with warning, a potential storm, tornado or hurricane, can cause unexpected damages. The best time to protect your home against water damage is before it occurs. Having everything ready now will give you peace of mind knowing you’re prepared for the next Texas storm. Proactively check your insurance policy to ensure you’re sufficiently covered, and if the need for help arises, choose PuroClean Mitigation Services for your restoration needs.