When you purchase homeowner's insurance, it is going to cover a variety of home issues. This gives you the protection you need when a problem does occur. While homeowner's insurance generally doesn't cover every single problem that you may encounter, it does cover a huge variety of issues. One such problem that it will generally cover is water damage. When you notice gradual or sudden water damage, the first thing that you want to do is contact your homeowners insurance and file a claim. This article will discuss 3 reasons to file a water damage insurance claim.
If you notice any type of flooding your basement, whether it be due to a burst pipe, a rise in the water table levels in your area, or for some other reason, you should file a water damage insurance claim. A great deal of damage can be done to your basement in the result of flooding, especially if the water is not removed quickly and if you do not have proper basement waterproofing. Filing a claim can allow you to get the repairs taken care of, without having to pay for all, or perhaps any, of them out of your own pocket.
If you have a gradual leak somewhere in your home, this will not only cause damage to the structure of the home if left unchecked, but it can also cause mold spore as well. Since some types of mold can be deadly when inhaled, it is crucial that you file a water damage insurance claim as soon as possible. They will come into your home to assess not only the level of damage due to the gradual leak, but will also test the mold to see if it contains asbestos. From there, they will be able to tell you exactly what your homeowner's insurance covers, and how much, if any, you will be required to pay out of pocket.
Your roof is going to be the main protector of your home when it comes to rain, snow, hail, sleet, etc. If you notice that your roof is leaking at all, then this means that structure has been compromised. Because you have homeowner's insurance, you can file a water damage claim. An inspector will come out and look at your roof to determine what is causing the leak, how long the leak has been occurring, and how much damage the leak has caused. This information will then be reported back to your insurance, and they will likely proceed by covering the cost of fixing your roof.
For more information, contact a business such as The People's Choice Public Adjuster.