Water Damage to Your Home

Many people are unaware of what forms of water damage their home or business insurance policy protects. As a result of hearing about mould insurance claims being rejected, many homeowners and business owners are becoming perplexed, and many concerns about water damage to their homes arise. This article will go on to clarify what forms of damage are protected by your homeowner’s or business insurance plans, as well as what you can do if your home is damaged. Get the facts about restoring a residential property
What kind of water damage is covered by your homeowners insurance policy?
Flood insurance is required if you wish to be directly responsible for water damage caused by a flood. Homeowners plans do not cover flood damage. If the hole was caused by heavy storm winds, the home insurance policy will cover damage from rain falling in through a hole or a window. However, if a pipe within your home explodes, causing water damage over time, you won’t be shielded. It all boils down to whether your water damage was caused by a covered incident, such as a hurricane, or whether it was caused by your failure to keep your house fixed, which is not covered. If you’re not sure what forms of water damage are protected by your home insurance policy, read it carefully or contact the company.
Cleaning Up After a Tragedy to Stop Mold
It is important that you take action to fix your water damage because leaving it unattended will result in more damage as well as health risks. Don’t ignore your home’s clear signs of a water crisis! You should try to locate any leaks as soon as possible and fix them at the source. When water leaks into your home, moisture accumulates and mould develops. Mold will eat away at the structure of the house, causing health issues that may become severe. Coughs, nosebleeds, runny noses, sinusitis, coughing, and even more severe upper respiratory conditions such as bronchitis and asthma may all be caused by mould exposure. Mold damage isn’t usually covered by insurance, but it could be if it was caused by a covered peril like a hurricane. Report any water damage to your insurance provider as soon as you notice it, until it worsens.