A standard homeowners insurance policy may cover repairs for mold and water damage, but it depends on the source. For instance, you could be reimbursed if mold or water damage occurs due to a plumbing issue, water heater leak or roof damage by a standard home insurance policy. However, damage caused by flooding would not be covered because a standard homeowners policies does not cover you include flood damage. Flood damage is typically only covered by flood insurance.
If your home is getting filled with water, it is very important to get rid of the moisture — quickly! A disaster restoration company, like BioSweep Southeast can come in and begin the drying process in matter of hours. Why is this important? Because the longer you wait to start the drying process, the higher your risk of mold growth. So drying and de-humidification process needs to start as soon as possible. When seeking reimbursement from home insurance, your adjuster will look at the source of the water damage. The big deciding factor for reimbursement will be the source: flooding or water damage.
What's considered a flood and what is considered water damage?
A flood typically involves external water rising onto your property, such as you damage caused by an external source like an overflowing river, or even heavy rains. Damage caused by flooding is generally not covered by your standard home insurance policy; you need a separate flood insurance policy.
Standard water damage, not related to a flooding issue, is usually covered by homeowners insurance. Things like a roof leak, a busted pipe, faulty water heater or other plumbing issue, could all qualify for reimbursement under your homeowners insurance - after you pay your deductible, of course!
Remember that it's always best to talk with your insurance company as soon as possible to know the scope of what is covered. While you wait for your insurance adjuster to come out to your property, begin the drying process immediately to prevent further damage.
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Dealing with mold
One of the worst byproducts of water damage can be mold. Besides being potentially hazardous for your health, mold can reduce your home's value by discoloring the walls or ceiling, rotting wood or ductwork, or creating a foul odor. Exposure to mold can cause respiratory problems in children and pose a serious danger to those with chronic lung diseases. If you have any type of water damage in your home: don't wait! Get the work started by a professional disaster restoration company like BioSweep Southeast right away.
Remember: where there is excessive moisture - there will be mold!