Will Insurance Cover It?

Many homeowners are confused about what types of water damage are covered under their home insurance policy. Insurance companies have been heavily denying mold claims, so many people are left with questions when it comes to water damage. In the following, we’ll elaborate on what is covered under your homeowner’s insurance policy and what to do if water damage happens to you.

What Insurance Company’s Will Cover

Homeowner’s policies don’t cover damages due to floods, however, they do cover other kinds of water damage. For example, they would generally pay for damage from rain coming through a hole in the roof or even a broken window, if the break was caused by strong storm winds. But if you have a hidden pipe leaking water into your home and over time water damage occurs, that wouldn’t be covered. Its all about whether the water damage was caused by a covered peril like a storm. If the water damage happened because you didn’t keep your home maintained properly then insurance won’t cover it. If you don’t know what types of water damage are covered, review your policy or call your home insurance provider now, before any damage occurs. Anytime you discover water damage, you should first call DryPatrol at 1-877-DRY-3344 whether it is day or night. Always tell your insurance company you have “water damage” not a “flood”, as floods aren’t covered. Also, write down the date and time you called, as well as who you spoke with. DryPatrol can handle all water restoration and mold remediation duties, so make sure to call us first!

Regardless of how your water damage happened, it is important to take immediate steps to remedy it. Never ignore the indications of an obvious water problem in your home. You should immediately attempt to find and stop leaks at the source. This is because moisture allows the propagation of mold, which causes further damage to your property and health problems to any occupants of the structure. Many insurance agencies are restricting mold damage, and what they will cover as far as removal and remediation is concerned. Your mold damage may be covered if it was caused by a covered peril, but any mold damage should be immediately reported to your insurance agent.

If a storm causes water damage to your property, its important to quickly dry all wet areas and provide air circulation to aid in the drying process. Also, cover any areas with a tarp to prevent more damage. Contact DryPatrol to get professional help in this process, and we’ll even get the claims process going with your insurance company, saving you hassle and headache.

If you find water damage that occurred over a period of time, mold may have already developed and more than likely your claim won’t be covered. In this case, attempting to clean up mold may spread spores, causing greater damage to your property, and serious health issues for occupants. Call DryPatrol for the mold testing and cleanup process, because we’re certified professionals, and it isn’t safe to do this on your own. Contact your insurance agency to see if any of this damage can be covered under your policy and call DryPatrol at the first sign of mold.