24/7 Emergency Service
Will Insurance Cover My Water Loss?
2/22/2022 (Permalink)
We respond to large and small water damage intrusions 24 hours a day, 7 days a week, 365 days a year throughout the greater St. Charles area.
Water can be one of the biggest threats to your home and belongings and having insurance that covers water damage is critical. Water damage is one of the most common and costly types of insurance claims. According to the Insurance Information Institute, 29% of all homeowner’s insurance claims are from water damage.
How well do you know your homeowner’s insurance? Did you know, typically water damage that is considered “sudden and accidental” is covered. However, gradual damage can get a bit trickier. Frequently, flooding is not covered unless you have a separate flood insurance policy.
What else usually isn’t covered? Here are some common problems that are typically not covered by a standard homeowners insurance policy.
- Water damage due to lack of maintenance. An example would be failing to fix a known plumbing issue.
- Water damage from intentional acts. This includes setting your house on fire or purposely turning off the heat during the winter.
- Water damage due to floods, hurricanes, and tsunamis. While we may not need to worry about hurricanes or tsunamis in Missouri, flooding can often cause problems for homeowners.
- Water damage that backs up through a sewer, drain, or sump pump. This typically requires special sump and water backup coverage.
- Water damage from leaks from a swimming pool or other structures.
- Water damage from seepage or leaks through a foundation.
- Cost to repair or replace the source, such as a broken dishwasher or washing machine.
While these are the most common problems, the most reliable way to know what isn’t covered is to talk to your insurance agent. Depending on the type of water damage and size, it can often cost thousands of dollars to repair water damage. Knowing your coverage can help you know what to expect.
Who do you call for water damage restoration?
When your home suffers a water damage, call a professional. As leaders in the water damage industry, SERVPRO of St. Charles City has advanced training and expertise, not to mention a tremendous amount of hands-on experience. We use this training and experience to quickly dry your home and restore it back to pre-water-damage condition. Our process includes documentation of the drying process to validate your property is dry. For a stress-free claims process, SERVPRO works with your insurance to help manage the insurance process and paperwork.
We respond to large and small water damage intrusions 24 hours a day, 7 days a week, 365 days a year throughout the greater St. Charles area, including St. Peters, O’Fallon, Weldon Spring, and Portage Des Sioux.