What Water Damage Does Insurance Cover?

When your house is damaged by water, it can be difficult to know exactly what to do first. It can also be difficult to know whether the water damage your home has suffered will be covered by your homeowner’s insurance. While most policies cover at least some types of water damage, most water-related hazards are not covered by the typical policy. Be sure you know just what your policy covers by discussing it with your insurance agent before you need to file a claim.

Water Damage on Wall

Water Damage is Often Covered Only if It’s Taken Care of Quickly.

What Types of Water Damage are Covered?

Typically, most HO 3 policies cover at least some types of water damage. Most of the time, only quickly occurring water hazards are covered by your insurance, such as flooding, storm damage, and pipe bursts. Mishaps like gradual leaks, seeping, and water damage that happens over time are usually not covered by the policy.

What Causes Water Damage in Homes?

Water damage is caused in the home when water is allowed to sit on top of a surface. This can cause a multitude of problems, from warping and cracking to mold and rot. When water is allowed to penetrate a surface, it damages the material from the inside, leading to the need for repair or replacement.

How Much Does it Cost to Repair Water Damage in a House?

The cost of water damage cleanup can vary greatly depending on the level of damage and what tasks need to be completed. For instance, an area with standing water will cost significantly more than a space that has only minor damage like drywall and flooring damage. Typically you can expect to pay between $1,500 and $4,000 for water restoration and cleanup, especially if not covered by insurance. Many times, insurance only covers a portion of the work, leaving you to cover the rest. This may apply in situations that involve hidden or unfound water damage, gradual leaks that aren’t repaired, or slow roof leaks that were missed.

Is Drywall Ruined if it Gets Wet?

Many homeowners believe that if their drywall gets wet at all, then it should be replaced. But, as long as the drywall is not saturated, it will most likely be able to dry effectively with proper measures. However, if the drywall is saturated or unable to get proper ventilation for quick drying then it may need replacement to avoid problems like mold, rot, and warping.

How do You Fix Water Damage?

Water damage restoration and repair are long and intricate processes. First, a professional will use an infrared water damage detector device to locate all spots with water damage throughout your home. These devices are used to ensure the location of even hidden damages. Once the damages are located, the water damage effects will be assessed to identify the extent of the damage caused.

Your insurance company may require multiple water damage quotes for water damage repair. This means that multiple professionals will come to inspect and assess the damage. Most times, your insurance company will also send an adjuster to evaluate the claim for himself. He will inspect and assess the damages to ensure that the quotes you receive are accurate and fair. Your adjuster will assess the current damage as well as any possible previous damage that was left unrepaired. This will give the insurance company an idea of what condition your property was in before the damage to better assess its worth.

Water Damage and Repair

When your home has water damage, the first step is to remove the excess water from the area. Professionals may use multiple ways to accomplish this, from fans and vacuums to mops and towels. Once all removable water is displaced, fans and other drying mechanisms are brought to provide constant air flow for proper drying. Proper drying of your belongings deters the formation of mold, mildew, and rot. Once your home is dry, your cleanup team will apply a treatment to each surface to protect against the development of mold and mildew.

Water Damage VS Mold

Not all water damage leads to mold. In fact, most times, proper restoration and repair of water damage prevents the formation of mildew and mold. However, many times, mold and mildew are discovered in unrestored areas where water has unknowingly seeped through, such as closets, basements, and attics. To ensure that your water damage is completely eliminated the first time, ensure that your restoration team uses infrared technology to locate all points of moisture.

When your home has experienced water damage and repair is needed, don’t hesitate to call. Many insurance claims have a time limit and aged water damage is not typically covered on most insurance policies. The Public Adjuster Indiana experts can provide insurance help for your claim and walk you through each process to ensure that your claim is processed quickly and accurately. Call our experts today at 317-416-0028 when you need help with your water damage insurance claim.

Property Damage Insurance Claims Process

A Picture of Fire Damage All Over a Stairway

If Your Home or Business Has Been Damaged, It’s Important To File a Property Damage Claim.

Having your home or business damaged due to water, fire, a storm, or lightning can prove to be devastating. Depending on the severity of the damage, these types of natural disasters and accidents can amount to a lot of money on repairs, replacements, and cleaning. Most of the time these things happen out of the blue and homeowners and business owners had no way of preparing themselves. Fortunately, if you have homeowners or commercial insurance, you can file a property damage claim. A property damage claim is something you can file with your insurance provider so that you can get the coverage you need to pay for damages done to your property. While this might seem straightforward, insurance claims processes can actually be complicated if you aren’t familiar with the process. To get a better sense of what to expect, below are some helpful answers to frequently asked questions asked about property damage claims.

What Is the Claims Process?

An Insurance Adjuster Is Leaning On a Roof and Documenting Damages

Your Insurance Claims Process Involves Your Insurance Company Reviewing Your Claim.

Before explaining what the claims process is, it’s important to know what an insurance claim is. An insurance claim is when a policyholder asks their insurance company to cover the cost of property damages. Once an insurance company receives a property damage claim, they review it and decide if it meets your coverage policy requirements, which is considered the claims process. To make sure that the damage to your house or business is covered by your insurance, they will need to inspect the damages. It’s also important that you give your insurance company as much details and information, as this will make it easier for them and make it more likely to get the coverage that you want. Usually, the claims process timeline involves a review of the claim, inspection of damages, adjustments to your property damage claim, and then from there they can either approve or deny your claim.

What Happens When You File an Insurance Claim?

While the very first thing you should do is call your insurance company, it is important that you gather the necessary inventory needed. What this means is that you will need to provide evidence of the damages that affected your home or business. The reason that this is important is that you will want proof certain damages affected your property. The more proof and evidence the easier it will be to have your claim accepted by your insurance company. Here are the things that you should do to prepare to speak with your insurance provider.

  • Document Damage: If you have a camera or video camera, you can use these to document the loss from water, fire, storm, or other catastrophes that have damaged your home or business. This will be extremely helpful when you are filing your property damage claim.
  • Compile Details: If you have receipts, bank statements, tax returns, or appraisals for things that are damaged, its get to get all of them together and ready. This will be especially helpful if you are dealing with theft and vandalism.
  • Make a List: Everything that has been damaged in your property, you will want to make a list of. No matter how insignificant you think it might be, write down anyway.
  • Avoid Repairs: This might seem like a bad idea, and shouldn’t be done if you have water or smoke damage, but avoiding get permanent repairs is essential as it can prevent you from getting the claim you need. However, if repairs are really needed, keep your receipts and give them to your insurance company.

What Happens When a Claim Is Denied?

An Older Couple Speaking with a Public Adjuster

When Your Insurance Claim Is Denied You Can Appeal it and Work with a Public Adjuster.

When we have damage to our homes and businesses, we believe that our insurance company will be there to support us. Unfortunately, your insurance company can deny your claim. This can be quite shocking and very stressful to policyholders, but it happens more often than you’d think. There are a couple of reasons why your insurance company denied your claim

  • They believe that the damage to your home or business was pre-existing and not caused by the fire, flood, storm, or another catastrophe that occurred.
  • Your insurance company doesn’t cover the type of damages that affected your home or your business.
  • If these damages happened and you didn’t pay your insurance premiums during that time, they can say that you didn’t have the coverage needed to cover the damages.
  • You didn’t contact your insurance company within a certain timeframe.

In the event that your property damage claim was denied, you can always appeal your claim. You will need to make a formal appeal to your insurance company and from there they will hear your claim again.

How Do You Fight an Insurance Claim Denial?

If you’ve had your insurance claim denied, one of the best things you can do is call a public adjuster. A public adjuster is someone who is able to help you settle a claim on the behalf of the policyholder. The reason this is a good thing is that a public adjuster knows insurance policy coverage lingo, they have been in the business before, and they negotiate on your behalf. If for some reason your insurance company will not secure your settlement even with the help of a public adjuster, it’s time to call an attorney.

If you are needing insurance claims help service in Indianapolis, IN call the public adjusters at Public Adjuster Indiana today! We are able to give you a free claim review, so contact us at 317-416-0028!