A lot of people strive to one day own their own home and it can take some people a bit of time to get to that point in their lives. So, when people finally become homeowners, it is often something to celebrate. However, with home ownership comes a lot to worry about.
When you are responsible for your own home, you need to make sure you put yourself and the property in the best position to be protected and well maintained. However, there are things like storms and other natural disasters that you cannot prevent, and these events can be severe enough to harm your residential property.
For example, even severe rainstorms can be powerful enough to cause serious damage to your home via precipitation and even high-speed winds. The rain can make its way inside the home, and winds can cause outside objects to be thrown at your residence. However, your home can also experience severe water damage via other sources, such as pipe bursts or sewage backups.
In either situation, you will need to get water damage restoration and water damage cleanup help to ensure your home is clean and safe to return to. It can be costly to cover these services, but there are ways to help you and your home recover from such a disaster.
One way to do this is by getting homeowner’s insurance.
With homeowner’s insurance, it will be easier for you to get your residential property fixed and restored to safe living conditions. However, standard homeowner’s insurance policies will not cover all types of harm. Water damage, in particular, is only covered by standard homeowner’s insurance policies in certain situations.
Continue reading to learn more about homeowner’s insurance and when water damage restoration and cleaning will be covered.
Consider the Source and Cause of the Water Damage
To figure out whether your standard homeowner’s insurance policy will cover the water damage restoration and cleaning your home needs, you need to consider how the harm occurred.
When Homeowner’s Insurance Covers Water Damage
Most of the time homeowner’s insurance will cover cases of water damage that happen suddenly or by accident so long as the source comes from inside the home. For example, if a pipe suddenly bursts in your home, then your insurance will likely cover the water damage cleanup and restoration costs for it. If the washing machine in your home accidentally overflows, then your homeowner’s insurance should cover it.
Insurance will also cover your home’s water damage in the following situations:
- Rain and snowstorms
- Water damage as a result of fire extinguishing
- Interior damage caused by a leaking roof
- Mold that developed as a result of a covered water damage event
When Homeowner’s Insurance Does Not Cover Water Damage
To put it simply, your homeowner’s insurance policy will not cover the water damage that your home experienced if neglect or failure to conduct maintenance is the reason for the harm. This is because the water damage could have been prevented if you took the necessary actions earlier to resolve the issue that led to the water damage. Furthermore, the water damage is not unexpected, so your insurance company will not cover the costs for any water damage restoration and cleaning.
For example, if a pipe in your home has been leaking for a while but you fail to address the situation right away, then it is likely that some sort of water damage issue — and maybe even mold growth — may develop. In such a situation, your insurance provider will not cover the costs that you incur from water damage cleanup and restoration.
It is important to note that insurance will also only cover the materials and areas damaged by water and not any appliances or pipes that caused the harm, such as a pipe or faulty washing machine.
Additionally, flooding is not covered in standard homeowner’s insurance policies. To get flooding covered by your insurance company, you will need to purchase an additional policy.
Professional Water Damage Restoration Services
If your residential property has been affected by water damage, then you need to take care of the problem as soon as possible. The longer you wait to have water damage addressed, the worse it will become. Porous building materials and furnishings will take in the excess water and moisture, causing damage and allowing it to spread elsewhere in the home.
Furthermore, the longer water damage remains, the greater the potential for mold growth.
Knowing this, do not hesitate to reach out to ServiceMaster All Care Restoration for the professional water damage restoration services we provide to homes and businesses located in Arizona’s Maricopa, Pima, Cochise, and Santa Cruz counties. Within these services, our professional technicians will provide water damage cleanup and restoration that ensures your property will be safe and clean to return to.
We will contain and extract the excess water and moisture by using advanced equipment. Following water extraction, our technicians clean and restore the affected materials and areas.
Get in touch with ServiceMaster All Care Restoration for the professional water damage restoration services we offer in Maricopa, Pima, Cochise, and Santa Cruz County, AZ, by calling us at (623) 486-0700.