How to Know if Water Damage Covered by Homeowner's Insurance

Here’s What You Need to Know About Water Damage & Homeowner’s Insurance

If you’ve ever had water damage in your home, you know what a stressful, inconvenient and time-consuming event this can be. If the damage was caused by a plumbing emergency, you have to first repair the underlying issue and then work to clean up the damage. Before you can even begin repairing your home, it’s necessary to professionally dry the area.

Once all plumbing issues have been fixed and the area has been dried out, you can then begin repairing the damage done by the water. This process can be overwhelming and expensive.

While many plumbing emergencies can be avoided through regular maintenance, there are some plumbing issues that simply can’t be avoided. That said, you can do things to make handling these issues less stressful. By having homeowner’s insurance that covers water damage and knowing who to call to perform water damage services, you can help to make this process flow as smoothly as possible.

Homeowner’s Insurance for Water Leaks

Does your homeowner’s insurance cover water leaks? If it doesn’t, it’s a good idea to talk to your agent about ways you can extend your coverage to include leaks.

Doing so will give you the peace of mind to know that repairs will be affordable in the event of major water damage. Many policies include language that water damage that is “sudden and accidental” is covered.

This means that your policy will cover damage from major leaks, a burst pipe or even a ruptured water heater. Check your policy for similar language or talk with your agent to make sure that you’re covered.

Have you Considered Flood Insurance?

It’s important to understand that most homeowner’s insurance does not include flood insurance. However, to fill this gap and to provide protection for those at risk of flooding, flood insurance policies are available through the National Flood Insurance Program.

These policies give homeowners the option of purchasing coverage for their homes and for the contents of their home. If you’re concerned about flooding, talk with your insurance agent to find out if a National Flood Insurance policy is right for you.

Reliable Water Damage Services

The first thing you need to do after having water damage is to dry out all areas affected by the water. It’s a good idea to have professionals do this so that all areas are adequately dry and no mold or mildew builds up.

It’s also important to do this quickly before the water can cause any additional issues. The good news is that many plumbing companies offer water damage services.

If they don’t, they can refer you to a reliable company that does. So, if you’re in need of water damage services, start by talking to your plumber.

About Roman Plumbing Inc.

Roman Plumbing Inc. has been providing quality plumbing services to the Trinity and Port Richey areas since 2002. A full-service plumbing company, their experienced technicians are available 24/7 to handle any plumbing issues you have, no matter how big or how small.

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