We at Water Damage Express assume your Broward County home is probably your most valuable investment and ensuing it properly is one of the most important aspects of home ownership. With good luck or bad, most people will make a claim at some time in their life.
According to The Travelers Companies Inc the five most common causes of home claims are:
The two main causes of water damage are: 1) weather events, such as rain or snow melt, and 2) internal plumbing issues, such as pipes bursting or leaking. By comparison, more water damage is caused by events such as a pipe bursting, plumbing or appliance issues, than from the weather. In the South, wind is the most common cause of home claims and hail is the most expensive.
An annual review with your insurance agent is a great habit to have; make adjustments as you add to home and possessions. No type of flood damage is covered by standard homeowners policies: from storms, over-saturated ground, overflowing bodies of water. Depending on your location, you may be able to purchase a separate flood insurance policy through the National Flood Insurance Program.
Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental, such as if a washing machine supply hose suddenly breaks or a pipe bursts. However, homeowners insurance does not cover damage resulting from poor maintenance. So, if damage results after you fail to repair a leaky toilet, for example, homeowners insurance likely will not pay for repairs.
Depending on what’s damaged, two types of coverage within a homeowners insurance policy may apply.
According to the Insurance Information Institute, homeowners insurance may help pay for repairs if your drywall is drenched after your water heater ruptures. However, when insurance companies should settle many water damage insurance claims, these claims are sometimes unjustly underpaid or denied. Insurance adjusters can misinterpret the policy language and deny coverage based on allegations that the type of water damage is not covered under your policy.
An experienced restoration team has years of experience with the claim process and can guide you through it. For example, Water Damage Express uses state-of-the-art moisture mapping and thermal imaging technology to substantiate the full scope of water damage with precise estimates, making for the fastest and most accurate settlements for their clients.
The nature of water damage can make the full scope difficult to quantify, resulting in frequently underestimated water damage claims. Work in combination with your restoration team and your insurance agent.
At Water Damage Express, we understand that your kitchen should be a place of fun and family. When water causes structural damage or mold infestation, we will quickly and safely solve your water problems. Water Damage Express is a full service restoration team that will support you and your family — from stopping the flow of water through restoration and the insurance claim process.
For any water damage in your home, contact Water Damage Express. We are available 24/7 to come to your aid when disaster strikes.