Floods may happen anytime. Most homeowners think the insurance company covers the cost of water damage restoration. The truth is that the company may not always cover the restoration costs. The following are the most common causes of water damage in residential property. If the damage is caused by regular wear and tear, you may not get the payout. However, there are separate insurance policies for residential houses and flood damage. Please read this post carefully.
Please note that we are not the insurance agent; we are a water damage restoration services provider. After working for several years in Sydney, we know what is covered under insurance and what is not. Please consult with your insurance agent for more information.
Pipe Burst
Pipe leakages and bursts can be covered by insurance. It also includes the restoration costs of surrounding walls, house structures, and other personal property of the homeowners. However, if your insurance company thinks the situation results from gradual damage or pipes burst due to negligence, they may deny the claim.
Moreover, it would help if you insulated the pipes or scheduled regular plumbing checkups to avoid these issues. You can consult with flood restoration services for such a task. If you schedule home inspections a few times within a year, then there is a high probability that the insurance company will accept the claim.
Kitchen/Bathroom Overflow
Sometimes drain clogging may result in kitchen or bathroom overflows. It is easy to prevent if you check the drainage system and clean them regularly. These are the sources of black water, and you should call water damage restoration services for the best results; otherwise, it leads to mold growth. Mostly, it is not covered under insurance, but if the kitchen or bathroom overflows due to natural calamities or a city sewer surge, then you may get the claim.
Electrical Appliance Leakage
Leaks from electrical appliances are one of the common causes of water damage. Water may flow through the hosepipe and damage the carpets within a couple of minutes. Moreover, it is a source of greywater, consisting of germs, viruses, chemicals, and toxins.
In this situation, you should take a video of the damage and block the source of water to prevent further damage.
Now insurance companies will consider the conditions of electrical appliances. If their assessment proves that the damage is caused by regular wear and tear, they may not cover it. That is why electrical appliances maintenance and repairing are necessary to avoid higher costs. After repairing the appliances, if you face the same problem, then you may get coverage.
Roof Leaks
Roof leak damage is different from normal pipe bursts or leakages. Whether your insurance policy covers the roof leakage will depend on the terms and conditions. Roof leaks can be a cause of natural calamities. If your coverage does not cover the specific peril, you will not get the payout. It can be a cause of gradual damage because you may not repair the previous damage.
You should consult with your insurance agent before taking any insurance coverage policy, and please read all the terms and conditions; relying totally on the agent may create discrepancies in the future.
Natural Calamities
Most home insurance policies do not cover the damage due to floods or storms. All these natural calamities can be covered with different insurance policies. You have to buy a separate policy for it. A General home insurance policy will not cover this damage. Please consult with your insurance agent for more information.
If you think your residential premises are susceptible to water damage for any of these reasons, then consult with your insurance agent now. If your insurance does not cover the damage, then make sure you take proper action to prevent further damage.
If you face such issues and need urgent reinforcement, please feel free to call our flood restoration Sydney experts; we have an experienced IICRC certified team available 24/7 to help you out of such a situation.
