Water damage restoration is crucial after a water intrusion from a sewage backup or overflow, roof leak, burst water supply line, flooding, or other sources. SERVPRO of Crowley and South Johnson County is available 24/7, 365 days a year, to clean up and restore a water damage disaster. The time to find out what types of water intrusions are covered by insurance is before a disaster occurs. The professionals at SERVPRO of Crowley and South Johnson County are committed to helping Hillsboro, TX, homeowners and businesses determine which water damage incidents are covered by insurance.
Not all water damage disasters are equal in the eyes of the insurance company. No two water damage catastrophes are identical, but they still involve water, even if the culprit is a sewage backup. An understanding of the scope of coverage can help Hillsboro, TX, homeowners know what to look for in their homeowners’ policy to protect their property investment.
A hard lesson many residential and commercial property owners learn after severe thunderstorms or flooding is to carefully read and understand their property coverage policies in order to understand exactly what is and is not covered by the policy.
Here is a battery of questions to help the property owner avoid the shocking surprise of learning a water damage disaster is not covered under a policy.
Residential and commercial property owners are urged to review their insurance coverage, including endorsements, with their insurance agent. These questions are a starting point.
- What types of flood damage are covered by the primary policy?
- Does the policy include an endorsement for a sewage backup? Are there differences in coverage between a homeowners policy and a business property policy? What are the differences, and how do they affect policy coverage and premium amounts?
- Does the policy include an endorsement for a utility power outage? Coverage for a home or a business in the event of a power outage may be different. Business owners should not assume that the policy for their home is identical in the scope of coverage to their business property damage policy. This assumption could lead to a very costly mistake should a sewage backup from a power outage occur.
- Is a lost revenue endorsement included in the business policy? If this endorsement is a part of the policy coverage, should a sewage backup endorsement be added?
- Does this residence or business location need to be in the federal flood insurance program? A competent and knowledgeable insurance agent can walk the policyholder through the process of determining the status of the property and obtaining flood insurance if needed.
- Will the policy cover roof damage from a tree limb or tree falling on the home? The homeowner needs to be aware that determining insurance coverage for tree damage to a home or vehicle can be complicated.
- Will the policy cover flooding from an overflowing creek, river, subdivision pond, or lake?
- Does the policy cover flooding from runoff caused by a very heavy thunderstorm?
- Is water damage from an unrepaired leak in a supply line, sink, or pipe covered by the policy?
- Will the policy cover property damage from a roof leak the homeowner or property owner was negligent to immediately repair? Procrastination can be very costly.
- Will the policy cover water damage resulting from an old or outdated roof? Bonus tip: Have a reputable roofing contractor perform an annual inspection of the roof. If neighbors have sustained roof damage during recent severe weather, schedule a roof inspection.
- What types of roof leaks are not covered by insurance?
The team at SERVPRO of Crowley and South Johnson County is personally invested in the community and cares about their neighbors. The water damage restoration company is committed to providing emergency restoration services. Technicians respond to any type of water damage disaster, including sewage backups, a roof leak, or flooding from a burst water line. SERVPRO of Crowley and South Johnson County never waivers in its commitment to excellence in the performance of property damage cleanup and restoration services.
For more information about Hillsboro, TX, water damage restoration services, contact SERVPRO of Crowley and South Johnson County by phone at (817) 297-8588 or by email at office@servprocrowley.com.
