Every year, an average San Diego County home has at least one water-related problem. The most common types of water damage involve leaks and flooding, leading to a more costly repair down the road. If this happens, it is essential to know if your homeowner’s insurance may cover the cost of repairs. But how do you know if your insurance will cover it? Are there any other factors to consider? Find out below.
What are the most common types of water-related problems?
Water damage is the accumulation of moisture in your home. The most common water-related problems involve leaks and flooding and can be expensive and dangerous. Leaks occur when pipes break or sealants deteriorate. Also, flooding may arise due to natural disasters like hurricanes or tornados, resulting from blocked drains or broken pipes.
How do you know if your homeowner’s insurance will cover your water damage?
You can take a few steps to determine if your homeowner’s insurance will cover the damage.
– Find the coverage for water damage in your policy. This is different from flood insurance, which is not included in most home insurance policies and is more expensive than typical homeowners insurance. You’ll need to contact your agent or company representative to determine how much coverage you have related to water damage.
– Ask about deductibles and whether there’s a limit on total damages. Your deductible is the amount of money you’re responsible for when filing a claim. Some policies include a deductible, while others don’t have any at all. Your limit on total damages refers to the maximum amount of money that can be claimed from an individual policy during one year, regardless of how many claims are made. If this limit has been met, then your homeowner’s insurance company will not cover further claims during that time. If you think either of these would apply to you, it’s best to call right away so that they can help with any follow-up questions or concerns you might have.
– Lastly, check with your agent or company representative about any other specific requirements needed to file a successful claim for damages caused by water leakage or flooding. These may vary from company to company and state by state, but you must understand what is required before submitting a claim for repairs related to water damage or flooding.
Conclusion
If you find yourself facing water damage, you need to know what it is and how to protect yourself. Find out the most common types of water-related problems and how to know if your homeowner’s insurance will cover them. The last thing you want is to get the chance to rebuild your home finally, only to find out your insurance won’t cover water damage.
Are you searching for a water damage restoration service near you in San Diego County? In-State Reconstruction is here to assist. We work with most insurance companies to ensure our clients get perfect home insurance for water damage problems. Our team of restoration specialists is ready to tackle your water damage of any size, 7 days a week and 24 hours a day. Give us a call today on (619) 354-3117.