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Fort Mill Water damage is a big disaster for your home
7/16/2015 (Permalink)
If a pipe bursts in your Fort Mill home and floods the house, call us today 803-324-5780
It's devastating when you find out that your insurance doesn't cover your Winter Park mold damage.
Fort Mill Water damage from a flood or a burst pipe in your home can be devastating, and the damage can linger for months or years in the form of mold and rotten wood. What can make the disaster even more devastating is finding out that your insurance doesn't cover it.
A good rule of thumb, when thinking about sudden water damage to your home is that if it comes from inside or above, you generally are covered. If it comes from the ground or below ground, you generally aren't.
For example, homeowner's insurance policies, as a general rule, do not cover damage from flooding. This includes a flash flood, where tremendous rain causes large amounts of water to flood into your home. It also includes smaller event where water might seep up through your basement floor or cracks in your foundation to flood your home. Another type of event your homeowner's policy generally won't cover a backup of the sewer system, because that water comes from below ground. To cover damage from flooding, you need a separate flood insurance policy.
When the water comes from inside your home or above, your homeowner's policy is likely to cover it. For example, if a pipe bursts in your home and floods the house, insurance should cover it. If your washing machine or a toilet overflows and floods a room, insurance should cover it. Homeowners insurance also will cover rain damage from a storm if rain water got into your home because of damage caused by the storm. For example, if a tornado tore a hole in your roof, allowing rain to come pouring in, any water damage should be covered. On the other hand, if rain leaked through your roof because it was old and needed to be replaced, insurance may not cover it.
The best thing you can do is to examine your insurance policy and talk to your agent to make sure you understand what types of damage from water are and aren't covered. If you need to, there are riders you can add to cover other incidents that may not be covered under your original policy.
Keep in mind, too, that while your policy will cover some damage caused by sudden water infiltration, it will hardly ever cover damage caused over time, such as a leaky pipe that causes mold or a leaky toilet that destroys a floor.
SERVPRO of Rock Hill & York County Professionals provide fire and water damage restoration services. We are available 24 hours/7 days a week and are ready to restore damage to your home or commercial structure caused by: