Second, you should find a reliable plumber. You will need to find a plumber for various household concerns anyway. You might as well find one that you feel comfortable with and who is on call when you need them most.
Make sure you have their number handy in case you end up needing it.
Finally, you can set aside some money for household emergencies and repairs. It’s always good to have a little bit of money ready so that you are less stressed out when an emergency hits. The process of dealing with water damage can be a hassle as it is. You can try to prepare by having some money ready in case of any type of emergency arises!
What Are the Signs of Water Damage in the Home?
One of the most obvious ways to tell if there’s water damage is by checking for leaks. Look for wet spots around your home. If you think that these puddles are from a leak, try to locate the pipe that might have burst. You might also want to call a plumber at this point to investigate further. Make sure that you’re looking at the walls, floors, and ceilings.
Check your basement and attic for signs of mold and mildew. These odors are pretty noticeable, which can help you to catch any water damage pretty quickly. Note that mold and mildew need to be taken care of as soon as possible. There are health risks associated with them, so it’s essential that they are removed.
Lastly, you will want to have your roof looked at. You can do this yourself or hire a professional. You’re looking for any cracked or damaged shingles. You should look for standing water too. If you notice these issues, you will want to check your gutters to make sure they’re draining properly.
What Types of Water Damage Are Covered by Homeowners’ Insurance?
As mentioned before, homeowners’ insurance usually covers accidental water damage. What’s defined as accidental can vary. Additionally, your homeowners’ insurance might have certain procedures for specific situations.
Here are a few examples of what is typically covered by homeowners’ insurance. Keep in mind that these are general situations. You will need to refer back to your homeowners’ insurance to see what you’re covered for.
Freezing and bursting pipes: If your pipes have frozen and burst, your homeowners’ insurance should cover the damage. One exception is if you weren’t keeping your house warm enough to prevent this. If you keep your house too cold, your pipes cannot remain at a normal temperature, which means that they can freeze.
Broken appliances: If your washing machine or your dishwasher floods your home, you will likely be covered. This usually occurs when your appliances are broken or worn out. Now, you do need to make sure you’re taking the necessary precautions and maintaining your appliances. As long as you’re doing that, you should be covered.
Leaking roof: A leaking roof is partially covered by homeowners’ insurance. The roof itself cannot be repaired with homeowners’ insurance funding, but the water damage can be. Maintaining your house can prevent roof leaks and other roof-related issues.
How Can You Tell What is Covered by Your Homeowners’ Insurance?
The best way to know what your homeowners’ insurance covers is to talk with someone. Call your homeowners’ insurance company. Ask some general questions about what is and isn’t covered.
You might be able to get an information sheet that outlines the things that you are and aren’t covered for. This can come in handy anytime you run into a home damage problem!
You can also check the website of your insurance company. Some websites show what is covered. You can look at any information that was given to you when you first got homeowners’ insurance.
In order to get the most up-to-date coverage information, you should consult an insurance professional directly.
What Can You Do if Water Damage Restoration Isn’t Covered by Your Homeowners’ Insurance?
As mentioned, not all types of water damage can be taken care of by homeowners’ insurance. It’s good to have a backup plan no matter what the situation may be.
You should be prepared to fix the problem on your own. This can sound intimidating. These repairs might be complicated and expensive. Still, it’s better to know what you might have to deal with instead of being totally unprepared.
You should always have some money set aside for household or medical emergencies. Water damage can turn into a household emergency and should be taken care of rather quickly in most cases.
Check to see what a particular repair involves. Is it expensive? Can you do it on your own? Do you need to call a professional?
If you’re good with tools and home repairs, you might be able to fix the issue on your own. Be sure to do your research and look for guidelines on how to make these repairs.
There’s no shame in calling for help. Make sure you know of a couple of plumbers in your area. It’s great to have a 24/7 plumber available as well.
It’s necessary to realize that you will have to pay to fix the cause of the problem and the damage caused. If homeowners’ insurance covers the problem, you won’t have to worry about anything!
Overall, some water damage is covered by homeowners’ insurance. What is covered can vary from location to location or by the type of insurance you have. It’s always a good idea to look into your homeowners’ insurance to know what you’re covered for.
Additionally, you should be aware of the potential causes of water damage. Some things can be prevented. Plus, it never hurts to be prepared!