Homeowners policies do not cover damages due to aflood, but they do cover other kinds of water damage. For example, they would generally pay for damage from rain coming through a hole in the roof or a broken window if the hole was caused by strong storm winds. On the other hand, if you have a hidden pipe leaking in your house and over time water damage occurs, that would not be covered. It pretty much boils down to whether the water damage was caused by a covered peril such as a storm... if the water damage was due to you not keeping your house maintained and repaired then your insurance would not cover it. If you don't know what water damage is covered,review your home insurance policyor check with your home insurance company now, before any damage occurs.
Regardless of how the water damage happened, it is important to take similar steps to remedy it. Never ignore indications of an obvious water problem in your home. You should immediately attempt to find and stop leaks at their source. When water leaks into your property, moisture can collect, allowing mold to develop. Mold can cause further damage to your property and can potentially cause health problems. The adverse health effects from mold exposure can range from runny noses, coughs, nosebleeds, congestion, and sinusitis to more serious upper respiratory ailments such as asthma or bronchitis. A lot ofinsurance companies are restricting mold damage, but some mold damage may be covered if it was caused by a covered peril. You should immediately report any water damage to your insurance agent.
When a Storm Causes Water Damage
Ifsudden water damageoccurs to your property, such as with a storm, it is important to dry all wet areas and provide air circulation to aid in the drying process. Also, cover any areas with a tarp to prevent more water damage. Covering, drying, and dehumidifying wet areas can help minimize the possibility that mold will accompany water damage. Always contact your Local restoration company (Dry-Tech Restoration Services 610 304 5117 )
