Among all of the horrible things that might occur in your home, water damage is one of the worst and it can have a tremendous negative impact not only on your property, but your wallet as well. Even worse, it can strike at any time for any number of reasons, be it heavy rain and flooding or something as unexpected as a broken pipe or a clogged drain. If you sustain water damage at home, the next steps you take could make all the difference in preventing a bad situation from getting far worse than it needs to be.
1. Turn off the Water
First and foremost, find out where the water is coming from and make it stop. Whether it’s a leaky ceiling, a broken pipe, or some other reason for water pooling up inside of your home, locate the problem and prevent more water from getting in. Turning off the main line can help reduce the issue and if the home has fallen victim to a flood, shutting off the gas and electric in your home can also avoid further damage from taking place.
2. Call Your Insurance Company
If you’re up to your ankles in water, time is of the essence. Don’t bother searching through files and records just to dig up your homeowner’s policy, call your agent direct to let them know what’s happened and to over the terms and limitations of your policy. In some cases, water damage is not included as a component of coverage, in which case you might need to explore other options with your insurance provider to assist you in covering the many expenses you are now facing.
3. Flood Damage and Water Damage
Floods are made of water, so why wouldn’t they both be covered under the same insurance policy? Good question and one that is easier to answer than you may think. Water damage is caused by an accident or another event in which your home is flooded due to a burst pipe or a leaking tank of some kind. Flood damage refers to flooding that comes as a result of severe inclement weather. If you live in a region of the country where floods are prevalent, you would need to purchase a separate policy in addition to the one you already own. When you call your insurance company, they are going to ask you to distinguish between a home with water damage or if there is flood damage since these are two different things.
4. Coverage for Water Damage
Okay, so it turns out the living room rug is underwater due to something that happened in your home and not as a result of monsoon rains and the local riverbank teeming over. But that doesn’t necessarily mean you’re covered. Some policies have exclusions or restrictions on the reasons for water damage occurring and these might keep you from collecting insurance money to put towards your bills. If it’s determined that you didn’t maintain the home very well or there is damage from a small leak that caused damage over an extended period of time, you may be out of luck.
5. Call Metropolitan Contractors
When water damage is sustained, there is a myriad of factors at play, all of which could destroy your belongings, impact your finances, and even pose risks to living in the property. So in order to avoid many of these challenges, call one of our professionals at Metropolitan Contractors to help you navigate through this very confusing and frustrating time. We can evaluate the problem, fix it right the first time, and take precautionary measures to ensure no further damage is caused by mold, mildew, or compromised structural integrity to the foundations of the property.