The Dos and Don’ts of Water Damage Insurance

Water damaged ceiling because of possible roof issuesA water damage insurance claim can be a confusing process for many homeowners, especially if you are unaware about whether or not certain damages are covered under your plan.

Policies for water damages normally form part of home insurance. While certain terms under your package explicitly define an eligible claim, there are times that you will require the help of insurance adjusters and consultants.

That’s because water damages sometimes take long before the apparent signs of destruction manifest in your home.

Distinguishing Damages

An important step in determining the likelihood of insurance coverage involves the nature of the damage. Was it gradual or did it take place immediately? Some examples of gradual damages that may not be covered include a leaky faucet under a sink and seeping water into your basement due to a crack in the foundation.

For sudden water damages, these include a broken pipe that causes flooding or a broken roof that allowed stormwater to enter your house. Take note, however, that natural flooding requires another kind of insurance under different policies.

Your insurance provider most likely established restrictions from floodwater damages, so it’s important that adjusters know the definite source of the problem and why it occurred prior to revising a claim.

Do Your Part

United States Adjusters reminds not to forget that a water damage insurance claim should focus on a problem that’s beyond your control. Hence, your insurance company will not consider issues related to maintenance work such as water seepage to be accidental.

And since filing claims can be stressful and wearisome, be proactive in handling the paperwork and pieces of evidence for the affected parts of your house. These will come in handy when you lodge a complaint with your insurance provider.

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Water damage insurance provides you with peace of mind that you won’t settle for a dilapidated home in case of an accident, although it requires to be well-informed to avoid the inconvenience of rejected claims.