There’s a lot of confusion on the types of water damage covered by home insurance policies. With many home insurance flood claims being denied, home owners are left with so many unanswered questions one of the questions being, does my home insurance policy cover flood damage? We’ve had some water damage milwaukee and wondering if anyone knows.
The answer is, No home insurance policies do not cover flood damages, but they cover other types and kinds of water damage e.g. they cover damages caused by rain water coming through a window or a hole in the roof. If water damage occurs due to poor maintenance or not maintaining you property totally, home insurance covers do not pay for such damages. For example if a water damage occurs due to a pipe leak, home insurance cover will not cover such a damage. This is because the insurance companies put the damage in the category of water damage caused by poor maintenance. If you aren’t sure on which damage your insurance covers, always review the insurance’s policy to keep yourself updated.
In-case you find a damage in your home that has been caused by water that has been leaking over a long of time, first clean any mold that might be on the affected area also clear any indication that might be indicating that the damage was due to poor maintenance, and then file a claim. Clearing any indication that shows the damage was due to poor maintenance helps to prevent rejection of the claim.
Lastly, in cases where sudden water damage occurs on your property, always dry all the wet areas and if the place is closed, open all windows, doors and ventilation so as to provide air circulation and also aid in the drying process. The next step should be contacting your insurance company so as to start the home owner insurance claim process.