There are many steps to take when your home is affected by Water Damage. The first step is to remove any affected materials. You should replace any structurally-damaged items. You should also remove any damaged decorative items. Your insurance company should cover the cost of this. Once the cleanup is done, you can begin to assess the damage.
Water damage is a type of loss
Water damage is one of the most common types of property insurance claims. While standard homeowner’s insurance policies do cover some types of water damage, they generally do not cover others. For instance, sewage backup and burst pipes are excluded from coverage under standard policies. As a result, it is important for policyholders with dwelling coverage to make sure that any water damage that occurs is covered under the policy. If you are unsure whether your property insurance policy covers water damage, contact a professional insurance agent to learn more about your coverage.
It can be minor
Water damage can occur in a variety of ways. The damage may be minor and occur in front of your eyes, or you may discover it only after the damage has been done. In either case, you’ll need help from a professional water damage repair company.
It can be major
Water damage can be a major problem for your property. It can occur from a long-term leak, a burst pipe, or even from a flood. Once water enters the home, it spreads quickly, soaking carpets, furniture, and drywall.
It can be covered by insurance
Insurance policies are designed to pay out in the event of a disaster. Generally, home insurance policies cover water damage caused by broken pipes or other plumbing devices, but the policy may not cover the actual cost of replacing the water-damaged appliance. In such cases, an optional endorsement may be required. Your insurance provider will pay for the covered damages over the deductible and up to the policy limit. A homeowner’s insurance policy may also cover water damage caused by storms.
It can be preventable
Most water damage is preventable by performing regular maintenance on your household appliances and fixtures. If you fail to do this, you will be at risk for water damage and mildew growth. Checking for cracks around windows, door frames, and other areas where water can get in is important to prevent any water damage. You can also install a leak detection and shut-off system to stop water damage before it happens. Investing in preventative measures like these will save you hundreds if not thousands of dollars.
It can be expensive
The costs of water damage restoration vary greatly, depending on the extent of the damage. Water damage can affect drywall, insulation, wood, and even the foundation, which can be costly to repair. It can also compromise the integrity of a building, requiring the services of a professional contractor. Additionally, water damage can lead to mold and mildew issues, which can be costly and time-consuming. Moreover, water damage can also cause electrical problems. If the combination is severe enough, it can lead to a home fire.
If you need help with water damage and water damage restoration in the Long Island New York area call True Restorations for help.