If you’re a homeowner, your house is probably one of your most valuable assets. Protecting it with homeowners insurance is extremely important, but does your insurance cover everything you need it to? Water and flood damage restoration can be costly, so when your home experiences water damage, you need to know if your insurance company will pick up the tab. Below, North Eastern Cleaning & Restoration, of Jackson Heights, NY, shares some helpful information about what most companies offer and how to get the help you need.
Water vs. Flood Damage
Water damage in your home can be caused by something external, like excessive rain, mudslides, or a nearby water source overflowing, or it can be caused by something from inside your home. Most insurance companies will cover a percentage of indoor water damage. However, you may need to get separate flood insurance to protect your home from weather-related water issues.
Officially, your damage will not classify as flood damage restoration if the water has not touched the ground before it enters your home. If your water damage comes from a broken pipe, a leaking roof, malfunctioning appliances, or even condensation runoff from your HVAC system, your homeowners insurance should cover any resulting damage.
With any kind of water damage, you could end up with the added potential problem of mold and mildew growth. If moisture is removed quickly enough, you won’t have to worry about this extra cleanup. Whether insurance covers mold also depends on its source. If a burst pipe is covered by insurance, the claim payment should cover any resulting issues like mold. If it’s caused by weather-related flooding, it may be covered by your flood insurance. Either way, it’s important to get mold remediation as soon as possible to minimize the damage.
Whether you need flood damage restoration, mold remediation, or other home restoration services, North Eastern Cleaning & Restoration can provide the help you need. For over 15 years, they’ve provided all of New York City and Long Island homeowners with peace of mind after they’ve experienced disastrous damage. They even offer moving assistance and snow removal. Contact them today at (212) 461-4048, or visit their website to learn more.