Am I Covered for Water Damage?

Young Woman Collecting Water In basin From Ceiling. Ceiling panels damaged huge hole in roof from rainwater leakage.Water damaged ceiling .

If you had a burst water pipe, foundation cracks, a flooded basement or any of a multitude of other water-based issues with your home or building, would you be covered? In this blog, we’ll cover the most important issues for you to square away before disaster strikes.

If you’re like many home and property owners in South Jersey, The Jersey Shore, and even the Southeastern Pennsylvania & Philadelphia areas, memories of Hurricane Sandy, and the damage she left in her wake are still painfully present.

If Sandy – or other events beyond your control – victimized you, wouldn’t you want the damage repaired sooner rather than later, especially if the events were water-related?

Unfortunately, freak accidents or other natural events do happen. And water damage caused by burst water pipes, roof damage from wind or falling trees, a fire, or storms (or a hurricane) can be very costly to repair. Especially if you don’t take care of them as soon as possible.

Would your current insurance cover the repair costs?

Being prepared well before you need to make a claim will save you time and money – but think of all the stress and grief you’ll avoid by dealing with issues like these in advance instead of having to deal with them when you aren’t well prepared or covered.

Even though disasters typically happen when we least expect them, knowing what your insurance covers – and what actions you’ll need to take – will let you maintain control. That means you’ll still be in the driver’s seat.

Indeed, in most cases, turning to a professional you can trust to deal with the repairs will be solid first step in restoring your home to its original state, and in a complete and timely fashion.

Ask yourself these coverage questions

If I were to experience a burst water pipe over the weekend…
•  Could I get in touch with my insurance agent?
•  Would my insurance cover the damage repairs?
•  Do I know of a professional, reliable company that could take care of the problem and repairs?

Would my insurance cover these things

  •  Sump & drain?
  •  Mold treatment & restoration?
  •  Contents coverage?
  •  A flood endorsement?

Would my service repair company have

  •  sufficient personnel to do the work right away?
  •  knowledge of what claims insurance companies will or will not likely cover?
  •  the proper experience, expertise, systems, equipment, and procedures for getting
things done right – as well as quickly and thoroughly?
•  Have the appropriate licenses/permits necessary to apply antimicrobial treatments and
understand how to handle & apply them safely?
  •  Know how to guide me through the claims process?

Can you answer all these questions correctly? If not, wouldn’t it be a good idea to start getting the answers?

All you’ll need to do is speak with the right people, including your…
  •  Insurance company
  •  Insurance agent
  •  Service & repair company (specifically a waterproofing and damage restoration company), if you
already have one. If you don’t have one – maybe it’s time to start looking for a reliable one.

If you aren’t satisfied with the answers you get when you speak with them, it might be a good time to reconsider your options.

Because settling for just any coverage plan, or any service company could cost you big time when it comes time for the fix-up.

So, you wouldn’t want to settle for just ‘okay’ coverage when protecting one of your biggest investments, right?

Restore your home or building to its original state

Repairs (including the following) aren’t cheap and are certainly not of the do-it-yourself variety. Repairs and/or clean-ups can be caused by:

  •  Fire damage
  •  Wind, storm & rain water damage
  •  Water & floodwater damage
  •  Hurricane/storm damage.

As well as the costs of ancillary services, including
  •  Water damage rip-out/demolition
  •  Dry-out & dehumidification services
  •  Mold, bacteria & antimicrobial treatments (and return prevention programs).

Because it’s your property, your insurance policy, your claim, and your money – you can choose your insurance coverage, and the contractor to do the clean up and repairs…

So make sure you seek out a qualified, professional, and experienced contractor who will put your best interests (and those of your home or building) first.

Don’t wait for the unexpected to occur – take time to protect your investment, today.

Speak with the right folks, and find the plan and the company that will best protect you.