Did you know if there is a flood or water damage in your building, you may not be covered to fix the damages even though you have insurance? Many find this out when it is already too late and the damage has been done. Flooding and/or water damage is not usually covered in one’s homeowners, renters, or business insurance. So one may be covered if there is a fire in a building, but that coverage may or may not extend to items affected by water during the fire. (This is something to think about with all the recent stories of fire victims.) Typically, this is a policy one has to purchase separately. Ask your insurance agent about the details of your policy.
Say you live on the 15th-floor of an apartment, though. What are the chances a flash flood is going to rip through your home? Very small. However, what are the chances a pipe could burst, a bath could overflow, a sprinkler system is set off, etc.? The chances are higher. The same goes for single-family homes. The home may not be in a “flood zone”, but roofs leak, pipes break in the walls, and so on. FloodSmart.gov has tips about flooding and how to make sure you are covered and protected.
What is one to do after a flood or water damage? First, check for structural damage. Make sure it is safe to enter the building. Take photos of the damage and document affected by the water. Call your insurance agent and then a restoration specialist . A restoration specialist can help you assess the damages caused by the water and then dry-out the building and items that are wet . Even business documents, photographs, books, and important papers can be restored. This is key to getting back on your feet faster and getting back to business as soon as possible. It is vital that all items affected are properly dried to prevent mold damage and structural damage to a building. Learn more about restoration from water damage.
Tags: flooding, retoring wet items, water damage