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Learn About Water Damage And Homeowners Insurance?

water-damage-homeowners-insurance

Water leaking or flooding into your home can cause a lot of damage. Water damage usually leaves homeowners with a variety of questions in their mind, among them being whether their home insurance will cover it. Water damage tends to be quite stressful to deal with, however, the more you know about it the easier it will be for you to decide upon a course of action as fast as possible when disaster strikes.

Below we have come up with an informative guide on what homeowners need to know about water damage and home insurance.

Water Or Flood Damage?

First and foremost, it is important to point out that water damage is not the same as flood damage; at least as far as home insurance policies are concerned. You might think that water damage from flooding or leaky water pipes is the same thing; however, this is not the case when it comes to making insurance claims. Water damage from leaky pipes inside the house is covered under your home insurance policy.

On the other hand, water damage caused by flooding is not covered under the home insurance policy. People who live in flood-prone areas should take up flood water damage insurance policies under the National Flood Insurance Policy. When making a water damage claim, it is important that you make it through the correct insurance provider to ensure that you get the compensation you need.

Covered Water Damage Causes

Now that you understand the difference between water damage and flood damage, we can delve deeper into what is exactly covered under water damage. Water damage caused by sudden events or accidents including an overflowing appliance or burst water pipe in the house is covered under your home insurance policy.

Water damage caused by storm water coming from a hole made on the surface of the house (walls, windows or roof) by hail or strong winds is covered under open peril insurance policies. Be sure to check your home insurance policy for this coverage especially if you live in a high risk area; where itís excluded you can get additional cover for at a minimal cost.

Water damage caused by gradual leaks in the homeís plumbing or due to lack of proper maintenance is not covered under the home insurance policy. Be sure to find out the cause of the water damage first before making a claim to the insurance company.

You Have To Act Fast

In the event that you discover water damage in your property, it is recommended that you immediately inform your insurance agent, so that they can start the claim process as soon as possible. Furthermore, the insurance agent can be able to offer great advice on how you should proceed to prevent the damage from spreading. The agent can even refer you to some of the water damage specialists they may have worked with in the past. However, it is worth noting that you do not have to go with the company they recommend.

About Long Island Fire, Mold & Water Damage Services

We specialize in Water Damage Repairs, Flood Damage Repairs, Mold Removal, Lead Removal, and Fire Restorations & Repairs All Over Long Island, NY. We are a collection some of the best Restoration Service Companies on Long Island.

Call us or fill out the form on our website to get an Instant Free Quote Now!

Address: 1930 Veterans Memorial Highway #12-435
Islandia, NY 11749
Phone: (631) 223-7475

Service Areas

Babylon, NY | Brookhaven, NY | East Hampton, NY | Fire Island, NY | Glen Cove, NY | Huntington, NY | Islip, NY | Islandia, NY | Long Beach, NY | Long Island, NY | Nassau County, NY | Oyster Bay, NY | Riverhead, NY | Shelter Island, NY | Smithtown, NY | Southold, NY | Suffolk County, NY

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Learn About Water Damage And Homeowners Insurance?
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Learn About Water Damage And Homeowners Insurance?
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water-damage-homeowners-insurance Water leaking or flooding into your home can cause a lot of damage. Water damage usually leaves homeowners with a variety of questions in their mind, among them being whether their home insurance will cover it. Water damage tends to be quite stressful to deal with, however, the more you know about it the easier it will be for you to decide upon a course of action as fast as possible when disaster strikes. Below we have come up with an informative guide on what homeowners need to know about water damage and home insurance. Water Or Flood Damage? First and foremost, it is important to point out that water damage is not the same as flood damage; at least as far as home insurance policies are concerned. You might think that water damage from flooding or leaky water pipes is the same thing; however, this is not the case when it comes to making insurance claims. Water damage from leaky pipes inside the house is covered under your home insurance policy. On the other hand, water damage caused by flooding is not covered under the home insurance policy. People who live in flood-prone areas should take up flood water damage insurance policies under the National Flood Insurance Policy. When making a water damage claim, it is important that you make it through the correct insurance provider to ensure that you get the compensation you need. Covered Water Damage Causes Now that you understand the difference between water damage and flood damage, we can delve deeper into what is exactly covered under water damage. Water damage caused by sudden events or accidents including an overflowing appliance or burst water pipe in the house is covered under your home insurance policy. Water damage caused by storm water coming from a hole made on the surface of the house (walls, windows or roof) by hail or strong winds is covered under open peril insurance policies. Be sure to check your home insurance policy for this coverage especially if you live in a high risk area; where itís excluded you can get additional cover for at a minimal cost. Water damage caused by gradual leaks in the homeís plumbing or due to lack of proper maintenance is not covered under the home insurance policy. Be sure to find out the cause of the water damage first before making a claim to the insurance company. You Have To Act Fast In the event that you discover water damage in your property, it is recommended that you immediately inform your insurance agent, so that they can start the claim process as soon as possible. Furthermore, the insurance agent can be able to offer great advice on how you should proceed to prevent the damage from spreading. The agent can even refer you to some of the water damage specialists they may have worked with in the past. However, it is worth noting that you do not have to go with the company they recommend. About Long Island Fire, Mold & Water Damage Services We specialize in Water Damage Repairs, Flood Damage Repairs, Mold Removal, Lead Removal, and Fire Restorations & Repairs All Over Long Island, NY. We are a collection some of the best Restoration Service Companies on Long Island. Call us or fill out the form on our website to get an Instant Free Quote Now! Long Island Fire, Mold And Water Damage Services Address: 1930 Veterans Memorial Highway #12-435 Islandia, NY 11749 Phone: (631) 223-7475 Cities We Service Long Island, NY | Nassau County, NY | Suffolk County, NY
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