Colorado Springs Water Damage Restoration: Article About Homeowners Insurance and Water Damage
There are many common causes of water damage, but they can all leave homeowners with a cleanup and repair bill in the thousands of dollars. The good news is that some or all of the cost may be covered in a homeowners insurance policy. A homeowner may wish to call his or her insurance agent prior to hiring a Colorado Springs water damage restoration professional.
Calling an insurance agent will make it easier to determine what the homeowner needs to pay for or if there will be a deductible. When the customer knows what will be paid for ahead of time, they can let the restoration expert know when and how he or she is getting paid. Figuring out the payment structure will help the restoration process along and increase the odds that water is removed from a home as soon as possible.
Generally, the cost of any damage that is caused by accident or by a covered peril will be paid for by the insurance company. For example, if water damage is caused by a tree falling on the roof, the damage will be covered as it is considered to be caused by accident.
A water damage restoration expert from Avalanche Roofing & Exteriors of Colorado Springs CO can answer any question about water damage, interior painting or attic insulation.
However, if the roof is old or if the leak was deemed to be ongoing, the homeowner may be held responsible for any necessary repairs.
There are some issues that may not be as well-defined from an insurance standpoint. If a pipe freezes and bursts during the winter months, the insurance company must determine whether or not it was because of negligence. If it was a new pipe that broke, the insurance policy will generally cover any damage caused by the water that leaked through the pipe. In some cases, however, an adjuster may believe that the homeowner was negligent because the heat was turned off or the pipes were not drained prior to the temperature dropping.
In the event that a dishwasher or washing machine leaks, a homeowners insurance policy should be enough to cover the damage. The insurance company may want to make sure that the appliance was fairly new or that it was installed properly before approving the claim, and claims may be denied if the unit is old or not installed properly.
When water damage occurs, it is imperative to call a restoration expert right away. If an insurance policy doesn't cover a large portion of the damage, it may be possible to ask about special financing or pay with a credit card to make payments in installments.