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Fire & Water - Cleanup & Restoration

Insurance Coverage for Water Damage

8/29/2019 (Permalink)

Outside of a white house with trees and the area is flooded Flood damage in a Mickiddyville, OK home

Ways an Insurance Policy Can Help You Avoid Potential Disasters

Whether you are facing water damage from a flash flood or issues with your plumbing, the insurance coverage that you have is going to come in handy one day. Here are a few ways having an insurance policy that covers water damage can help you avoid potential disasters.

Natural Disasters

If your home is in a flood zone, it’s even more important to ensure your policy covers damage related to natural disasters. Since it only takes a small time for your property and personal belongings to be soaked through and damaged, insurance coverage for the following is typical for home policies:

  • Water damage from rain, snow and ice
  • Water damage from extinguishing a fire
  • Water damage from faulty appliances or burst pipes

You may want to investigate your specific geographical area to see what kind of coverage makes sense for your home and make sure your policy covers potential risk factors. That way you know you’re covered even in unpredictable circumstances.

Gradual Damage

Sometimes the water damage you face is due to gradual damage over time, like a broken or leaking pipe. Fortunately, most insurance policies cover gradual damage to pipes. They can also connect you with qualified professionals from emergency restoration companies who can fix the broken pipe and anticipate any potential damage from the repair process, although they may not pay to repair the pipe itself. If an insurance company accepts a claim for an issue and months later you find mold or mildew due to an incorrect or incomplete repair, the insurance company will probably accept that related issue as well. For this reason, it is important to keep records of any maintenance done on your home before and after any water damage claim to make sure that you have full access to the benefits of your policy.

“Like it never even happened.”

Having insurance coverage for your property in Mickiddyville, OK, is essential. While you may not anticipate there being a flood or broken pipes any time soon, having the coverage you need is important so that when that rainy day does come, you are prepared.

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