A flooded home is something most homeowners think they will never have to deal with, so they often opt for the minimum coverage on their insurance policy. Unfortunately, the cause of the flooding impacts whether or not a standard homeowners insurance policy will cover the damages and repairs. Many homeowners do not find out they have the incorrect coverage until they have standing water in their home.

Flood Insurance vs. Homeowners Insurance

Homeowners insurance covers the cost of a water, mold and fire restoration company to repair damages caused by flooding that is the result of broken pipes and sewage system backups. Some natural disasters may be covered under a basic homeowners insurance policy. For example, if a storm knocks a tree onto the roof of the home and flooding from the rain results, the homeowners insurance policy will cover the water damages in the home. As a general rule, for the homeowners insurance policy to cover flooding damage the water must come from inside the home or from rain.

Flood insurance picks up where homeowners insurance leaves off, providing coverage for flooding caused from the ground. Flooding caused by flash floods or overflowing streams, creeks and rivers is not covered by a standard homeowners insurance policy. Flood insurance must be purchased in addition to the standard homeowners insurance policy, and it does not become effective immediately. A thirty day waiver period applies, meaning that if a flood occurs in the first thirty days of the policy the damages and repairs will not be covered. With this in mind, flood insurance should be purchased at least thirty days in advance of the rainy season for your area.

Prevention and Restoration

It is important to call a professional water and mold restoration company as soon as flooding happens in the home. Standing water can cause a serious health risk, and mold can be very dangerous to remove on your own. Your insurance will cover the costs of repairs, and will require you to use the services of a licensed professional. In widespread flooding, these professionals become very busy, so always plan ahead so you know who you will call in the event of a flooded home. The best way to protect your family’s health and your home is to make sure you have the proper insurance coverage in place before flooding happens.

Call us today for a free consultation 800-516-8059 or by email at: info@superrestoration.com

In your service,

Rene Vargas
Super Restoration
1 800 516 8059