Restored Air Disaster Solutions

What Does Water Removal Insurance Cover? Find Out Here

In the United States, water damage is an all-too-common and expensive issue for homes. Water removal insurance is an essential part of any all-inclusive insurance policy because there are so many possible reasons, such as burst pipes or natural catastrophes. However, it could be difficult to grasp the scope of the subject matter. We are here to help with that. In the case of water damage, our goal at Restored Air is to assist our clients in comprehending their insurance policies and making educated decisions.

Understanding Water Removal Insurance Coverage

Water removal insurance is often classified as water damage coverage in most homeowners’ insurance policies. While particular coverage varies based on your policy and insurance provider, there are several general features to be aware of.

Water Damage Causes

Most water removal insurance policies cover damage caused by unexpected and unintentional water leaks such burst pipes, plumbing difficulties, appliance faults, and storms. However, coverage for progressive damage, such as long-term leaks or seepage, may be restricted or denied entirely.

Water Removal and Extraction

The basic objective of water removal insurance is to cover the costs of containing and removing water from your property. This covers charges for emergency water extraction, drying equipment rental, and restoration services to prevent more damage.

Structural Repairs

In addition to water removal, insurance coverage may include structural repairs required to restore your house to its pre-loss state. Damaged drywall, flooring, insulation, and other construction elements may need to be repaired or replaced.

Mold Remediation

Mold development is a common side effect of water damage and can cause major health problems if left untreated. Many water removal insurance policies cover mold remediation to address fungal development caused by water damage.

Personal Property Damage

Water damage not only harms the structure of your home, but it may also destroy personal possessions like furniture, electronics, and clothing. Depending on your coverage, water removal insurance may pay for the repair or replacement of damaged personal property.

What does water removal insurance cover? Find out here

Additional Living Expenses

If your home is rendered uninhabitable due to water damage, your insurance policy may cover additional living expenses such as temporary accommodation, meals, and transportation while the house is being restored.

What Isn't Covered

While water removal insurance can protect you against many frequent water damage scenarios, it’s important to understand what your policy doesn’t cover.

Gradual Damage

As previously stated, most insurance policies exclude compensation for gradual damage, such as long-term leaks or seepage that could have been avoided with regular maintenance.

Flood Damage

Flood damage produced by external sources, such as overflowing rivers, storm surges, or extreme rainfall, is often not covered by standard homeowners insurance policies. You’ll need to buy a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurer.

Negligence

Insurance companies may deny coverage for water damage caused by the homeowner’s negligence or lack of upkeep. To avoid potential claims disputes, you should take proactive actions to prevent water damage and repair your home’s plumbing and appliances.

Navigating the Claims Process

In the event of water damage, filing an insurance claim can be a daunting task. Here are some steps to help you navigate the process effectively:

Document the Damage: Take photographs or videos of the water damage and make a detailed inventory of affected belongings.

Contact Your Insurance Company: Notify your insurance provider as soon as possible to initiate the claims process. Be prepared to provide them with relevant information, such as the cause of the damage and the extent of the loss.

Mitigate Further Damage: Take steps to mitigate further damage to your property, such as shutting off the water supply, removing excess water, and drying out affected areas.

Keep Records: Keep thorough records of all communications with your insurance company, including phone calls, emails, and written correspondence. This will help ensure that your claim is processed smoothly and efficiently.

Work with Professionals: Consider hiring a reputable water damage restoration company like Restored Air to assist with the cleanup and restoration process. They can work directly with your insurance company to ensure that all necessary repairs are covered.

Funal Thoughts

Water damage may be a costly and stressful experience for homeowners, but having the proper insurance coverage can provide piece of mind and financial security in the event of a tragedy. Understanding what water removal insurance covers and how to manage the claims process will help you better plan to deal with water damage and get your life back on track. At Restored Air in Charleston, SC, we are here to help you every step of the way, from emergency water extraction to confidently navigating the insurance claims process.

Our goals, processes, and services have evolved since we started Restored Air Disaster Solutions almost a decade ago. But some things have stayed the same, such as our mission statement: To provide excellent services while upholding the highest level of integrity, customer service and professionalism. Almost a decade ago, we offered odor removal and mold remediation only, but we’ve worked hard over the years to expand our team and service offerings and are now able to handle any of the following services with any size project.

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Restored Air in Charleston has accumulated over 200 5-star reviews for their services including mold removal, mold testing, mold inspections, water damage restoration, and air duct cleaning.
(843) 749-9850