Does Insurance Cover Water Damage?
Charleston has recently become a popular tourist destination because of its traditional cobbled pathways, unique architecture, and overall beauty. However, storms and natural disasters are also Charleston’s source of popularity.
Located on the coastal strip of the Southeast part of South Carolina, Charleston often faces the risk of tornados, hurricanes, floods, etc. that are a common feature of the region. Charleston is ranked number 9 on a list of the top 10 cities a risk of getting hit by a hurricane.
If you live in Charleston, you already know that things can get risky sometimes, and you are accustomed to preparing for them in advance. Therefore, you know how important it is to get your home insurance.
Brief Overview of Home Insurance
Home insurance is a type of property insurance that safeguards you against several unprecedented damages, as long as you are not the one who caused them. Following are some of the most common risks home insurance protects you against:
- Damage to home structure or appliances inside the house
- Damage to Furniture
- Liability of someone injuring themselves inside your house
- Replacement cost for your property
- Floods
- Earthquakes
These are only a few examples of the types of home insurance available. The range often differs depending on which insurance provider you are choosing, but you can get an idea about the kind of risks covered by insurance.
Will Insurance Cover Water Damage Restoration in Charleston?
Whether or not your plan covers water damage depends on which insurance provider you signed up with and what the policy entails. Since floods are a common risk for Charleston residents, most plans give homeowners the option to choose coverage against floods.
Flood coverage determines whether or not you have water damage insurance; however, it doesn’t cover all aspects of the costs and services for water damage restoration. You will need to thoroughly study the insurance policy to find out about your coverage.
Why Our Water Damage Restoration is Better
There are several reasons why 911 Restoration is one of the best home restoration services in Charleston. We have been in the business for several years and understand the city’s climate and client needs. These insights and knowledge help us continuously learn and improve our service.
1. Assistance Filing Insurance Claims
One of the top reasons we are the best is that our customer service goes beyond home restoration and provides more value to all our customers. When you hire us for water damage restoration, our team will help you file our insurance claims as part of the service.
Our years of experience in the industry have allowed us to understand how different insurance providers operate and their legal language. We will study the policies you agreed to and let you know which parts of water damage restoration your plan covers.
2. Our Experienced Workforce
All our technicians are IICRC certified and have years of experience in the field. It helps them determine the most cost-effective and optimal ways of the restoration process. If your insurance plan does not cover a couple of parts of the water damage restoration, you can rest assured that you will not end up with a hefty bill.
Our technicians are also detail-oriented and will ensure they cover all problem areas, so nothing becomes a health and safety hazard to you later.
3. Types of Water Damages We Provide Services for
911 Restoration provides services for not flood-related and regular water damage in the house. You can fully trust us to provide top-notch home restoration services in case of both floods and general damages.
In case of water damage due to natural disasters, we assess the entire house structure to check if any potion was damaged and may need to be repaired or restored. We also check for mold formations to prevent an infestation in your house,
Your insurance also covers sudden and accidental water damage; however, they will rule out some payments if they determine that water damage resulted from homeowner negligence. We will help you pick out all the service aspects you can rightfully file your claims for.
4. Emergency Clean-up Services after Storms
One of the first destructions you will notice after the storm passes will be the clutter inside and outside your house. Storm and floods often increase the air and water pressure inside the pipes, making them flood.
Tornados and hurricanes are notorious for dumping trash picked along the way into random places they pass through. This trash often blocks gutters and sewage lines, further worsening the water damage.
To make sure you remain safe, we offer emergency services to our clients 24/7. You can call at (843) 872-9135, and our team members will reach you with 45 minutes to start the emergency clean-up.
Final Thoughts
To sum up, whether or not you receive insurance coverage for water damage depends on the policies your insurance provider offered to you. Most insurances cover accidental and flood-related water damage, and we will help you know how much financial aid you are entitled to.
If you want to work with home restoration experts who will go beyond the service scope to accommodate your home restoration, call us at (843) 872-9135 or contact us by clicking on this link.
