Storm Damage Restoration can be a very costly problem. Water damage can destroy your drywall, dry insulation, brick or stone walls, and other materials. In some cases, it may not even be feasible to fix the problem yourself. However, Storm Damage Restoration is a highly skilled occupation. Here is what you need to know.
Homeowner’s insurance usually only covers accidental, temporary damage resulting from storms. Let’s say a huge thunderstorm has rolled through your city and your home is damaged, maybe even partially destroyed, by hail. Or, perhaps a tree has fallen on your home and damages your gutters, causing water damage to your attic.
Unfortunately, in these instances, your homeowners insurance will typically not cover the costs associated with cleaning up the mess. In most states, natural disasters are defined as any occurrence that results in damage greater than what would be expected based on past records of rainfall and snowfall. In order to be sure that your insurance coverage covers cleanup costs, call your insurer and request a complete written account of your flood or hurricane damage from your agent. You will need to provide proof of damage to your property, as well as proof of loss, and this will help determine whether or not your coverage pays for the cleanup costs.
Some homeowners insurance policies will also cover Storm Damage Restoration costs if you were not home at the time of the storm. Of course, this type of coverage is not available everywhere, so you should check with your policy provider. In many cases, when you contact your insurance company about Storm Damage Restoration they will send someone out to assess the damage. If they find that your property is uninhabitable because of the flooding or that your appliances are beyond repair, they will often pay for all or part of your losses.
Naturally, you will want to hire a reputable and experienced storm damage restoration service to restore your possessions and property to its pre-incident status. Many people try to clean up water damage on their own, but this is often a dangerous proposition. It can also be difficult to know where to start and what to do safely. Professionals can help you restore your belongings and home to an acceptable condition that meets insurance requirements. Often, they can help you save money by cutting your costs for rehabbing and also by reducing your personal liability in the case of a lawsuit.
As always, it is important to carefully read the terms of your homeowners insurance policy, including those regarding storm damage restoration. Different companies have different definitions of what can and cannot be insured, so it is important to understand what your coverage offers in the event of flooding or water damage. Be sure to ask your insurance agent and your insurance company about any restrictions or limitations in your policy. These may include: having standing water in a home, needing to consult with a contractor before attempting any flood damage repairs, having a special water damage policy, or being a certain size or type of building.