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8/25/2022 (Permalink)

We can help

If you have any questions about how much water damage insurance do I need and what type you should get, you should talk with your insurance agent and be sure to ask about what type of policies are offered, what they cover and how much they cost.

Two specific areas that can be particularly challenging for homeowners are mold damage and flooding.

You’ll want to pay specific attention to what is and isn’t covered in your home insurance in these areas and figure out when it comes to water damage what to claim on insurance.

Mold/Fungi Damage – In general, mold damage will be included in your home insurance only if it stems directly from a covered loss. Because mold remediation can be expensive, most insurers will guard against these kinds of claims by either excluding or limiting coverage or raising premiums to cover it. (naic.org/prod_serv/HMR-ZU-17.pdf)

Flood Damage – Flood damage is not covered by standard homeowner’s policies. In order to cover damage caused by flooding you’ll need to have a separate flood policy, which can be obtained through FEMA’s National Flood Insurance Program (NFIP). Flood insurance can be quite costly so it makes sense to determine if you are in an area that is prone to flooding before purchasing it. (floodsmart.gov/flood-insurance/requirements)

Water damage can be a real headache for homeowners, whether it is covered by your insurance or not

Fortunately, the professionals at SERVPRO have the training, expertise and equipment to handle any problem big or small and help make your home safe again.

When it comes to water damage, the best thing you can do for your home is have the right insurance coverage and call SERVPRO so you know you’re in good hands.