After any water damage event at a home, the first question for many is “what next?” the other common question is “will my insurance cover this?” While we depend on insurance to cover accidents, sometimes the process isn’t simple. 

We at  24/7 Local Restoration Group would like to help you navigate this process as much as possible. We would like to answer the top 5 most common homeowner insurance questions while dealing with water damage. Our support staff can also assist you with any further questions not found here, you can contact our emergency hotline at (833) 220-2011 to get the water damage restoration process started. 

Typically, homeowner’s insurance does cover burst water pipes. However, it depends on the circumstances. If the burst is sudden and unexpected it can be covered. If the pipe had a slow leak and was rusting, the company will likely chalk it up to user error and deny coverage.

Homeowner’s insurance can cover cracked walls and foundation damage. There is a catch, though. The damage and cracks have to be the direct result of a covered peril, such as water damage. It can not come from your home settling or shifting. Certain insurance companies, like  Farmer’s Insurance, lay out their coverage online.

Be sure you have a clear understanding of the situation unfolding at your home and have all policy numbers and related paperwork readily available. It is also keen to note that some homeowners may be subject to working with several insurance companies. Meaning that you may have to find out which company covers what incidents. Most insurance companies, like  Allstate, have their terms listed on their site for these types of claims.

The first step in any water damage restoration process should be contacting your insurance provider to seek assistance. In the case of emergencies, such as an ongoing concern, you can contact our emergency hotline at (833) 220-2011 and we can have a team on-site in as little as an hour to assist and help prevent any further damage. 

Most water damage events are covered by insurance companies. As long as the resulting damage is not caused by a lack of maintenance or by the owner directly, the insurance company is likely to provide coverage. 

Under certain circumstances, mold damage is covered by most insurance. The mold has to be the result of another covered peril, such as water damage. If the mold growth is the result of a lack of maintenance, then your insurance company is very likely to deny coverage. 

It is also good to note that most insurance companies will deny any claim where the mold does not span at least 10 consecutive feet, as that is one of the requirements for professional mold damage remediation. 

After any major damage event in your home, the insurance process adds another tedious and lengthy task. Though this part of the process is necessary to save you money and time, it can be tricky to navigate.  24/7 Local Restoration Group technicians can help with the remediation and restoration process while our support staff can assist you with your insurance claims process. 

We can assist you with every step of the water damage restoration process and return your home to its normal state. If you are dealing with water damage and need help, our team is always ready and willing to assist. You can contact our emergency hotline at (833) 220-2011, which is open 24 hours a day, 7 days a week, and can place you in direct contact with a certified technician in a matter of a few minutes.