Water damage can damage your home and personal belongings. Whether it’s from a burst pipe, a roof leak, or a natural disaster, the aftermath can be financially and emotionally draining. Fortunately, many homeowners in the Fort Worth area have insurance policies to help mitigate water damage restoration costs. In this blog, we’ll explore the types of water damage covered by home insurance and shed light on what’s not covered. Plus, we’ll discuss the water damage restoration process by Kings Restoration and how to navigate the sometimes complex process of claiming water damage insurance.
Water Damage Category Covered by Home Insurance
- Sudden and Accidental Damage
Home insurance typically covers sudden and accidental water damage. This includes situations like a pipe bursting or an appliance malfunctioning, leading to water flooding your home. These events are usually unpredictable and beyond your control, making them eligible for coverage.
- Roof Leaks
If water leaks from the ceiling due to a covered hazard, like a fallen tree or hailstorm, your home insurance will cover the resulting water damage. However, it may not be covered if the roof leaks due to lack of maintenance.
- Frozen Pipes
In colder regions, frozen pipes can burst, causing substantial water damage. Home insurance typically covers this type of damage, as it’s considered sudden and accidental.
- Firefighters’ Efforts
If your home experiences a fire, the efforts of firefighters can lead to water damage. The good news is that this type of damage is usually covered by home insurance, as it’s a consequence of a covered peril (fire).
- Appliance Malfunctions
When your appliances, such as the dishwasher or washing machine, malfunction and cause water damage, your home insurance will likely step in to help with the water damage cleanup and water restoration costs.
- Overflowing Plumbing Fixtures
If your toilet overflows or a sink backs up due to a sudden blockage, leading to water damage, your home insurance should cover the damage.
It’s crucial to review your policy carefully and understand the specifics of what it covers and what it excludes. Coverage can vary depending on the insurance company and your policy type.
Also Read: Flash Flood Cleanup in Fort Worth, Texas
Categories of Water Damage Not Covered by Home Insurance
While home insurance can be a lifesaver in many water damage scenarios, it’s crucial to be aware of what it doesn’t cover:
- Flood Damage
One of the most significant exclusions in most standard home insurance policies is flood damage. If your home is in a flood-prone area, or even if it isn’t, purchasing a separate flood insurance policy through the (NFIP) National Flood Insurance Program or a private insurer is wise.
- Gradual Damage
Home insurance is created to cover sudden and accidental incidents. Damage that happens gradually due to wear and tear, such as a slow, undetected pipe leak, is typically not covered.
If the water damage results from your negligence or lack of proper maintenance, such as failing to repair a known leak, your insurer may deny the claim.
- Sewer Backup
Sometimes, sewer backup coverage may be excluded from your standard policy. However, you can often purchase this coverage as an add-on or endorsement to your policy.
- Earth Movement
Damage caused by earth movements like earthquakes or landslides is generally not covered by standard home insurance. Living in an area prone to such events may require separate earthquake or landslide insurance.
Water Damage Restoration Process by King’s Restoration
When faced with water damage in your Fort Worth home, you need a trusted partner to help you restore your space to its former glory. That’s where Kings Restoration comes in. Our staff of experts specializes in water damage restoration and is here to guide you through the process step by step.
- Assessment and Inspection
Thoroughly identifying and inspecting the impacted areas is the first step in our water damage restoration process. This aids in comprehending the damage’s scope and creating a customized water restoration strategy.
- Water Extraction
We swiftly and effectively remove standing water from your property using cutting-edge equipment. This action is essential to stop mold growth and more harm.
- Drying and Dehumidification
We concentrate on drying the damaged regions and lowering humidity after water extraction. This action is critical for protecting your home’s structural integrity and preventing mold formation.
- Cleaning and Sanitization
We clean and sanitize any impacted surfaces and possessions to guarantee a secure and healthy atmosphere for you and your family.
Your home’s damaged plasterboard, flooring, electrical systems, and plumbing can all be repaired and restored by our staff.
- Final Inspection
After the restoration work, we examine your home to restore it to its pre-damage state.
Also Read: Tips for Water Damage Restoration in Winter
The Process of Claiming for Insurance
Insurance claims management can be challenging, but water restoration services by Kings Restoration guide you through it without hiccups. Here is a brief approach to filing an insurance claim for water damage:
- Notify Your Insurance Company
As soon as you see the water damage, call your insurance company. Give them all the required information and records, including images and a description of the damage.
- Document the Damage
Take photos and videos of the water damage before any cleanup or restoration efforts begin. This will serve as crucial evidence for your claim.
- Meet with an Adjuster
Your insurance company will send an adjuster to look through the damage. Be present during the inspection and provide all requested information.
- Review Your Policy
Familiarize yourself with your policy to understand what is covered and your deductible. This will help manage your expectations.
- Get Multiple Quotes
It’s a good practice to obtain multiple home flood damage restoration quotes. King’s Restoration can provide you with a detailed estimate for the restoration work.
- Keep Records
Maintain a record of all communication with your insurance company, including phone calls, emails, and written correspondence.
- Follow Up
Stay engaged throughout the claims process, and feel free to follow up with your insurance company if there are delays or issues.
- Choose a Trusted Restoration Partner
Select a reputable and experienced restoration company like Kings Restoration to ensure your property is restored to its pre-damage condition.
Ensuring Your Fort Worth Home’s Protection: Partner with King’s Restoration Today!
In Fort Worth, where the threat of water damage is always present, having the right home insurance and a reliable partner like Kings Restoration is essential for protecting your home and peace of mind. Understanding what your insurance does and does not cover can save you from financial surprises when disaster strikes.
If you experience water damage, don’t hesitate to contact Kings Restoration for expert, efficient, and compassionate restoration services. Protect your home and loved ones with Kings Restoration. Contact us today for a free consultation and peace of mind.