Unmanaged, uncontrolled water only leaves devastation in its wake, and recovering from that damage is complicated. Depending on the water damage in your home or business, you can file some different types of insurance claims. However, knowing which to pursue can be tricky. Continue reading to find the path to recovery for your home or business.
One of the most common causes of water damage in a home or business is a burst pipe. They are generally unpredictable, making them frustrating to deal with. Additionally, a burst pipe can cause damage in hard-to-reach places. Thankfully, it’s easy to file a claim for this type of water damage. Insurance coverage for this case covers the damages from the burst pipe and costs like redoing drywall, installing new flooring, and replacing damaged furniture.
While many insurance claims cover this damage, the repair or replacement of the pipe can be another matter entirely. Handling a situation like this is tricky, but when you understand your insurance policy, the burst pipe will be the worst of it.
Leaking water is a more insidious problem, but most insurance policies cover damage associated with it. However, leaks can lead to mold growth, something for which insurance policies offer limited coverage.
Mold can present itself in numerous ways and damage your home or building in many more. It’s also difficult to prove that leaking water caused mold growth rather than neglected maintenance. Policy details vary from one to the next, so gather this information to help you get the help and compensation you deserve.
Malfunctioning appliances can also cause water damage. Many insurance policies won’t cover the cost of the appliance repair, but they will handle the damage caused by the water. Damage can present itself in a few ways, depending on the location of the appliances, but problems with the surrounding walls and floor are common.
Gradual leaks or lack of maintenance are typically not under the insurance policy’s umbrella. Still, some policies may cover this, so read your policy thoroughly to determine what it covers.
There are a few different types of water damage insurance claims, and understanding their differences can ensure you get the help you’re entitled to. At AmeriClaims, our standard home adjusters and commercial insurance adjusters can work with you and your insurance company to see your unique case.