If you experience water damage in your home, you are going to want to contact your insurance company to get assistance repairing the damage. Water damage claims can be a little tricky because your coverage for the water damage claim is based on where the water came from.
Flood Claims Are Different Than Water Damage Claims
The first thing you need to understand is that flood claims are different than water damage claims. If the water damage in your home was caused by a flood or another natural act, such as a hurricane or tornado, that damage would be fall under a flood claim. You have to carry flood insurance in order to qualify for assistance for these types of claims. If you live in a flood plain, you should carry flood insurance. Or if you live in an area where storms such as hurricanes and tornadoes are common, you should care insurance for these types of instances.
Why You Have Water Damage Matters
Next, why you have water damage matters as well. If you had a pipe that suddenly burst without any warning, your insurance will cover the damage. However, if the water damage appears to be from a long leak that you failed to take care of, it will be on you to pay for the repairs. If the water damage was caused by a lack of maintenance and care on your part, your insurance is not going to cover the damage. They will cover the damage for accidents and things that happen suddenly, but not for what they see as your negligence to do normal repairs.
Your Insurance May Go Up
When you make a claim, there is always a chance that your insurance for your home will go up. Even if your claim is denied, it will still be recorded with your insurance company. Your insurance company can increase your insurance premium for any claim that you file for a set number of years. If you are not sure if your insurance will cover your claim, it may be best to hire a public insurance adjuster to look at the damage and your insurance policy. They can let you know if your insurance company is likely to accept or reject your claim, as well as how much it should cost to repair the damage. If your insurance company is likely reject your claim, or if the repair cost is less than your deductible, it doesn't make sense to file an insurance claim and risk increasing your insurance rate.
When water damage strikes your house, you need to determine where the water came from and why it happened. This information, as well as having a public insurance adjuster look at the damage, will help you determine if you should move forward with a water insurance damage claim with your insurance company.