Does Home Insurance Cover Water Damage?

Facing water damage can be a challenging and emotional experience for homeowners. We at PuroClean Restoration Specialists understand the importance of navigating this difficult situation with care and empathy. In this article, We’ll give you an overview of  the different categories of water damage and what home insurance typically covers.

Categories of Water Damage:

Water damage comes in various forms, each requiring specific attention and action. Understanding these categories—Category 1 (“Clean” Water), Category 2 (“Gray” Water), and Category 3 (“Black” Water)—is crucial in assessing the potential risks and the necessary steps for restoration. If you need help with any category of water damage, call us for immediate help 480-767-5588. We’re here to help you.

Types of Water Damage Covered by Insurance:

Insurance typically covers sudden and accidental damage to your home. Common scenarios, such as burst pipes, accidental leaks, water damage after a fire, and damage from storms are typically covered losses. Dealing with the aftermath of water damage can be overwhelming, but your insurance coverage can provide much-needed financial support. Knowing what’s covered can bring reassurance during uncertain times.

Types of Water Damage Not Covered by Insurance:

While knowing what’s covered can bring reassurance, it’s equally important to be aware of what is not covered. Flood damage, damage due to neglect or lack of maintenance, sewer backups, and specific foundation-related issues are often excluded. Understanding these exclusions can help you plan and take preventive measures. Contact your insurance company to understand your specific policy and the exclusions.

What if I need to file a claim for  Water Damage:

If you do need to file a claim for water damage, your insurance company will ask for certain documentation. First, they will want to know the source of the water. Identifying the source and stopping it are important first steps. If the source is a faulty part, remember to save the part for your insurance company. Your insurance company will want documentation of the damage and the steps taken to clean it up. Photos are key to the documentation. If you hire a company such as PuroClean, we will provide all the documentation your insurance company needs including photos and drying logs. Navigating the insurance claims process can be intimidating if you are not familiar. Having PuroClean by your side provides you with peace of mind while navigating your claim.

How PuroClean Restoration Specialists Scottsdale Can Help:

In the aftermath of water damage, trust is crucial. You can trust PuroClean Restoration Specialists Scottsdale.  We understand the urgency and we understand that your home is your safe place. Our goal is to mitigate the damages and make your home clean, safe and dry! We will restore your home with care and expertise.

If you find yourself dealing with water damage or have inquiries about our services, please reach out to us at (480) 767-5588. Our dedicated team is here to provide immediate assistance and the support you need during these challenging times.

Remember, at PuroClean Restoration Specialists Scottsdale, we’re not just restoring properties; we’re restoring peace of mind.