Posts Tagged ‘water damage insurance’

Do you have the proper insurance for water damage?

Friday, September 17th, 2010
No one goes to sleep and thinks that they will wake up to a major flood or natural disaster. However, emergencies and accidents are not planned. If your home or office has experienced water damage, it is important to really protect yourself. The right insurance means that you will be able to clean up and repair your space after there is some serious water damage. The following are some of the many things to consider when searching for proper coverage for such issues.

First, always read up on any home or property insurance plan you may have. Make sure that it specifically states that it will cover water damage. You do not want to have a natural disaster strike only to realize that because the word water is not mentioned in the plan that you will not be covered. The fine print really does matter. This is why you should ask any and all questions before you sign on the dotted line and commit to any one plan or company. Be smart about this investment so that you always have the help you need when a crisis or emergency strikes.

Similarly, talk to the company to see how such damages or issues are dealt with. Some companies will work with a restoration company and have any and all repairs – from dealing with mold to cleaning up the water – dealt with directly. However, other coverage or plans will offer you payouts so that you can then handle the damage yourself. It is important to know how this process works so that you are not surprised when it comes time to deal with such an issue.

The more prepared you are, the better off you will be. Do not wonder if your insurance plan covers water damage. Ask the company and try to amend this if you find out you do not have coverage. Water damage can ruin a home: not only can it destroy your property but it can result in mold and wood warping, which could make your home unlivable. Protect yourself so that you have the help you need following a flood or emergency.

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

Rene Vargas
Super Restoration
1 800 516 8059

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The Insured’s Responsibility to Mitigate Immediately

Monday, August 23rd, 2010
If you have homeowner’s or flood insurance, are you aware of your responsibility to mitigate the loss? You need to take action to keep a problem from getting worse after making a claim or observing a problem. Failure to do so may affect the amount that your insurance will pay.

~What Does Mitigation Mean?

Imagine that a pipe breaks, causing a flood in your home. You have a responsibility as the insured party to make arrangements to stop the leak and clean up the water to prevent further damages. If you do not take these steps, the damage will get worse and more expensive. In this case, mold may begin to grow or water damage will increase.

~What are the Consequences of Not Mitigating Loss?

One legal case, Higginbotham v. New Hampshire Indem. Co., found that homeowners whose roof was damaged could receive payment for the damaged roof, but not for the water damage that occurred over several months before the roof was repaired. The judge determined that the homeowner could and should have taken action to prevent water from leaking through the damaged roof.

~How to Mitigate Against Further Damage

Be sure to contact your insurance company immediately and to take pictures of the damage that has already occurred. Then, take steps to prevent the problem from getting worse. This may include making temporary repairs, such as boarding up a broken window, or shutting off utilities, such as water to a damaged pipe. If a flood occurred, be sure to allow the area to completely dry to prevent the growth of mold or rust. You may also need to contact an expert to assist in repairs or flood cleanup. Save all of your receipts from supplies and repairs. Your insurance company may be able to provide emergency cash for these costs or may reimburse you after the fact.

By taking steps to reduce the chance of further damage, you are protecting your investment and avoiding unpleasant surprises down the road. If you have any questions about your responsibility in an insurance claim, ask your insurance company or a trusted expert for the type of damage that occurred.

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

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