3 Things You Probably Don't Know About Water Damage Insurance Claims

Water damage is one of the last things that you would want to find in your home. No one would love to come back home to a flooded basement or any other related water issues. Unfortunately, water damage has replaced fire as the primary cause of home destructions in the United States. This means that the chances of experiencing water damage in your home are pretty high.

The costs associated with cleaning, repairs, decontamination, temporary relocation, and general disaster clean up Salt Lake City can run into thousands of dollars, and that is where water damage insurance claims come into play. Insurance companies usually classify water damage into several categories depending on the cause of the damage. The primary causes of water damage in homes include; sewer back up, flooding, seepage, or infiltration. Here are the top three things you probably didn’t know about water damage insurance claims.

Water Damage Makes Up the Largest Percentage of Home Insurance Claims

Typically, more than 75% of the claims filed by homeowners on their home insurance policies are due to water damage in their homes. The risk of water damage continues to rise because of the increased number of severe storms across the country in the recent past. Water damage insurance claims are also on the rise since a substantial number of homeowners are renovating their basements and converting them into storage areas or entertainment zones.

To make sure that your home is adequately protected against water damage and to save yourself from the hassle of filing a claim, it is good to ensure that you become proactive. Perform regular maintenance tasks on your sump pump, eaves, foundation and also winterize your home.

Insurance Doesn’t Always Cover All Water-Related Damage

It is true that your insurance might cover some types of water damage, but it is good to understand the fact that not all types of water damages are covered under your basic home insurance policy. For instance, if you have a wet basement or a leaky roof that you have been ignoring for a while, your insurance might not help with the repairs. As a fact, the insurance company will only cover the water damage if it occurred as a result of a weather-related catastrophe.

There Are Different Insurance Policies for Water Damage and Flood Damage

Most homeowners tend to assume that their basic home insurance policy protects them against flooding which is wrong. Although you might be tempted to think that water is water, that statement doesn’t count when it comes to water damage insurance claims. If you live in a flood-prone area, make sure that you purchase flood insurance that will protect your home against flood damage. When you report any water-damage related claim to your insurance provider, make sure that you specify whether the claim is for flood damage or water damage.

Have you experienced water damage in your Utah home? Contact Utah Flood Cleanup today for thorough cleanup. We offer flood, fire, and mold cleanup. We provide 24/7 emergency service and a five-year guarantee on our work. Contact us today for a free phone consultation.


Author Statement:
Josh Ray is a disaster cleanup professional and the owner of Utah Flood Cleanup. He is a certified mold professional, asbestos inspector, water damage IICRC carpet cleaning professional, and holds a RRP certification. You can rest easy knowing an experienced professional is helping repair you fire damage, water damage, or mold remediation issue.

Utah Flood Cleanup
685 E. 2850 N.
North Ogden, UT 84414
(801) 416-2666