When a drain backs up, a pipe bursts or when a flood takes place in your home, it may be difficult for you to handle this kind of mess on your own. When this happens, the most reasonable thing for you to do is to contact a water cleanup company so that all the standing water can be dealt with before it starts causing serious problems. One of the most questions that many homeowners tend to ask themselves is if their insurance cover is going to cover the damage. Anyone who has experienced water damage before knows and understands just how stressful it can be. The more you know and understand about this type of damage, the easier it is going to be when it comes to handling the situation. Some of the things that you should know about water damage and your insurance cover include:
* When it comes to water damage and flood damage, there are different insurance policies
Even though you may think that water is simply water, flood damage may not be covered by most insurance companies will not cover this. If you are living in an area that is more likely to suffer flooding, then chances are that you have already taken a separate insurance cover that is able to cover it. When you are reporting your claim to your insurance company, it is important for you to make sure that you are able to specify whether the claim that you are making is a flood damage or if it is a water damage. This is important since it will ensure that the insurance company is going to start adjusting your claim accordingly.
* Not all types of water damages are covered by insurance companies
It is advisable that you take the time to look at your insurance policy so that you can be able to familiarize yourself with the terms and conditions. You should also look at any exclusions that may be in your the water damage cover that you have. Get to understand what it is that the insurance company is able to offer you before you make any final decisions.
* Once you are faced with a water damage situation, you need to act immediately
When your home or your property has been damaged by water, you do not have time to waste still trying to figure out what you can do about the whole situation. Acting fast will also ensure that you are able to save not only your house but your belongings as well. Also, the secondary kind of damage like mold growth can also pose serious risks to your health especially if you suffer from allergic reactions.