Water Damage Cleanup | What Types Of Water Damage Does Insurance Cover?

Water Damage Cleanup | Water damage is not only a big inconvenience but also can become very costly when paying for water damage clean up. Often water damage cleanup and replacement of ruined items can be several thousand dollars if not more, depending on the area of flooding. Unfortunately, most people do not have that kind of money sitting around to cover these expenses. Luckily many reasons for water damage are covered by your homeowners insurance. Your insurance will pay the bulk of the damages minus your deductible amount. Each insurance company and policy is different so you should consult with your insurance agent for your personal policy specifics. Here are some common reasons for water damage that are covered by insurance.

Rain or Snow Storm

Natural events such as excessive rain or a snow storm are often covered by your insurance policy. These acts of nature are often beyond your control and thus the cleanup/replacement are covered.

Burst Pipes

There are a number of reasons that pipes may burst in your home. They may become frozen, clogged or suffer equipment failure. Whatever the case a burst water pipe can cause a lot of excessive water to run out onto your floor and personal belongings. These cases are normally covered by your homeowners insurance policy.

Roof Leaks

Roof leaks are another common event that is covered by your insurance policy. If the roof is just old and not maintained, the insurance policy may not cover the roof repair. However, it will cover the water damage clean up caused from the roof problem.

Accidental Overflow

There are times when water related accidents happen in your home. Some examples include: bathtub overflow, toilet overflow or a sink back up. These accidents can cause water to flow over the floors and all over your personal items. Insurance companies will typically cover the clean up for these incidents as part of your premium.

Water damage clean up can be very expensive and having homeowners insurance can often help with these costs. If you find yourself in need of water damage clean up you should call the professionals at ServiceMaster of Charleston. They will work with your insurance company and get your home back to normal as quickly as possible.