Dealing with damage to your home caused by a flood of some sort is overwhelming to all of us. Particularly if your entire home is underwater or even merely a small area, you may be wondering:
Is flood damage restoration something you should consider claiming?
We discuss four easy to remember items that will help you make your decision. Whether to claim from your insurance company would depend on the following:
The size of the flood and the amount of damage there is
Before deciding whether to claim damages from your insurance company, you should first consider a couple of things.
It would be best to access the overall damage, the cause, and the size of the flood.
It will not be necessary to claim if the area flooded out is easy to resolve with a mop and some towels. It would also not be necessary to claim if the damage is something small.
However, if an area like a basement or if your entire house is flooded, then it would be a good idea to claim for repairing and restoring the damages.
But before you contact your insurance company, your first step should be to find a reliable restoration company in your area. For instance, a company that provides property restoration services in Houston.
These companies offer their expertise and experience in flood damage restoration in Houston. They will assess the damage for you and advise you on whether you should consider claiming from your insurance company. They will even assist you with the claim, as they know which documents and what proof insurances want to process your claim. They are up to date with repair and restoration costs and know precisely what is best to restore or to repair.
If your insurance policy covers flood damage
Before you decide whether to claim from your insurance company, you should first check your policy. You should check if you are covered for flood damages as many standard insurance policies do not cover floods. These are floods caused by an outside source such as a dam overflowing or by a storm. Often for this type of cover, you would need either an extension policy to cover flood damages or a completely separate policy.
However, some policies may cover a flood that originated from inside the house such as a burst water pipe. But it may also have exclusions that state that there is no cover for a lack of routine maintenance.
Read your policy carefully or contact your insurance agent to find out the exact details of your policy. Find out what the procedures are for filing an insurance claim.
Remember your insurance company will first send out an insurance adjuster. This is so they can determine the cause and the damage before deciding to process your claim.
The reason for the damage
The reason for the damage is too much water inside your home, either in a small area or in your entire house. Consider what caused the flood in your home, for example:
- A Storm or an overflowing dam or river
- A burst water pipe inside your home
- Plumbing problems that caused your toilet to overflow
- Faulty appliances like a washing machine
- Roof damage
Once you have determined the cause of the flood, it is time to decide if there was a way that the damages could have been prevented.
If you were at fault due to a lack of maintenance, then it would not be a good idea to claim from your insurance. As you will end up being disappointed because they will deny the claim.
But if the fault was not yours, then you should consider claiming from your insurance company, depending on the extent of the damage.
Your financial circumstances
Your financial circumstances are unquestionably something you should consider. Consider if you can afford the costs before settling on an answer to your question of claiming or not. If you can afford flood damage restoration because the damage is small or you simply need help with an easy clean up job, then you should not claim.
However, if you need the help of property restoration services in Houston that involve water extraction, cleanup, repairs, and restoration but cannot afford the costs. Then it is probably best to claim from your insurance company.
Keep in mind that the more damage there is, the higher the restoration costs are going to be.
In answer to your question, is flood damage restoration something you should consider claiming? This would depend on the size of the flood and the amount of damage there is to your home. It would also depend on the cause of the flood, whether your insurance policy covers flood damages and your financial circumstances.