Water Damage Claims & Insurance Overview

Water Damage Claims & Insurance Overview

When you are faced with a need for emergency water damage restoration services for your residential, commercial, or industrial property, you can trust Lawton Construction & Restoration, Inc. We have been providing industrial, commercial, and home water damage restoration services since 1976. We have made it possible for property owners to avoid significant and costly demolition, reconstruction, and mold growth remediation services. Call to receive an appointment. We will help with your carpet water damage cleanup needs and more!

What is Water Damage Insurance?

Water damage insurance is the type of protection provided in most homeowners insurance policies against sudden and accidental water damage. 

Water damage is not always covered under a standard homeowners insurance policy. It depends on the cause: sudden internal water damage is covered, while damage due to lack of maintenance or negligence and flood damage is not.

Understanding Water Damage Claims

A water disaster can happen at any time and at any place. Such accidents occur suddenly and unexpectedly, and the damage is often very difficult to detect depending on the specific nature of the loss. The insurance industry notes that statistically the most common type of loss is due to water. Events such as frozen pipe leaks, broken pipes, appliance leaks, sewage backups, water from holes in roofs and other building elevations due to heavy or torrential rain are typical water losses that are covered by the most risky property policies. For those with no previous experience with insurance claims, the wording of the policy can be confusing at best.

After a water loss has occurred, the most important thing you need to do is to begin proper emergency cleanup. Removal and drying should begin immediately. Consider hiring an experienced water damage repair company to walk you through the process. Addressing the loss of water in the first 24 hours can be critical to the outcome of your property damage claim.

Special Considerations

To mitigate water damage, have older homes inspected by a licensed plumber every five years, replace older water heaters, use steel-braided supply lines on washing machines, and turn off the supply lines when the machine is not in use. Don’t run the dishwasher or washing machine when someone’s not at home.

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