All Water Damage is Not Equal
Water is the life source of all living things. It's our best friend when filling our oceans, our swimming pools or quenching our thirst, but when it seeps into places it isn't wanted, like our homes, it can quickly turn into our worst enemy. Luckily, depending on the type of home insurance coverage, we have protections against this unwanted enemy.
The cost of water damage
From 2008-2012, the average insurance claim for water damage and freezing was $7,195, making up 17.5 percent of all insurance claims according to ISO, a Verisk Analytics company.
It’s important not to ignore indications of potentialwater damage in Jacksonville you shouldn’t hesitate to search out and stop leaks at their very source. When water seepage occurs, moisture collects which not damages your belongings but allows mold to form. Mold then can cause further property destruction in addition to mild to serve health issues, such as congestion, allergy attacks, sinusitis and bronchitis.
Damage from water can be unexpected, very destructive and expensive to both your health and pocket book. Understanding which coverage is suitable for water accidents will provide the necessary precautions that will help alleviate these factors.
Will my insurance cover me?
The types of water damage covered under home insurance policies can sometimes cause a lot of confusion. Not all water damage is covered by homeowners insurance. Water damage is considered a different source of damage than flood damage. Water damage is distinctly defined as water that damages a property before it touches ground, such as rain, hail, or a leaking pipe due to poorly constructed plumbing or appliances.
However, bad plumbing or a faulty appliance is not always a guaranteed and will require you to prove the water damage was due to shoddy repair work or a poorly-manufactured appliance and not just poor maintenance on your part as the property owner. Rain that causes flooding due to ground accumulation may also not be covered by standard water damage insurance.
By contrast, property located in low-lying areas along lakes, oceans or rivers will likely require specific flood insurance. Properties located in elevated areas or dryer climates where natural sources of water are not as frequent may not even require any flood insurance coverage.
Preventing water damage
In spite of what types of water damage is covered or how the damage happened, prevention is a whole lot easier than going through any insurance claim process. Though some sort of water damage may be inevitable to a property owner, there are precautions to take to at least minimize the risk that include:
• Repair and maintenance of clogged or sagging gutters and downspouts.
• Being wary of trees and plants with invasive roots that have the potential to grow into your pipes, sprinkler systems and septic tanks.
• Using drainage tools in place of unclogging chemical agents.
• Keeping your sump pump clean and running it every few months before storm seasons.
• Installing backflow valves and standpipes to prevent sewage backflow, especially at basement drains, sinks and toilets.
• Directing water build-up away from the foundation by modifying irrigation and landscaping.
• Inspecting windows and doors for water linkage.
• Closing and locking all windows, doors, vents and skylights to prevent wind and wind-driven rain from seeping inside the interior.
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SERVPRO of Jacksonville South is a 24/7 emergency water removal & flood clean up repair service company, Our technicians are highly trained and experienced with every water damage situation from sewage damage clean up, mold removal, smoke damage repair, fire damage repair, flooded basement, wet carpet, wet walls, carpet water damage, basement water damage, flooded crawl space, sewer backup, sewage removal, mud removal, commercial water damage, restoration, house water damage, building water damage, hotel water damage, flooded building, crawl space water damage, crawl space sewage damage, pump out, dry out, flood water removal, commercial building water removal, building flood damage, hardwood floor water damage, wet hardwood floors, wet carpet drying, sewage restoration, flood cleanup, busted pipe water damage, broken pipe water damage, busted sprinkler water damage, frozen pipe water damage, flood pump out, basement pump out.