| Many people have no clue as to what types of | | | | damage but it might be covered if it was caused by |
| water damage is covered under their home or | | | | a covered peril such as a storm. As soon as you |
| business insurance policy. Homeowners and business | | | | discover any water damage, report it to your |
| owners are becoming confused, hearing about mold | | | | insurance agent before it gets any worse. |
| insurance claims getting denied, and lots of questions | | | | Water Damage Caused By a Storm |
| arise about water damage to their homes. This article | | | | When there is a storm, if water gets into your |
| will go on to explain what types of damage is | | | | home, you need to dry up all the wet areas and set |
| covered by your home insurance or your business | | | | up air circulation to help everything dry. Water can |
| policy and what you should do if your house has | | | | come into your house or place of business from roof |
| damage. | | | | damage, or damaged gutters, or from a leaking |
| What Water Damage will your Home Insurance Policy | | | | basement. To prevent additional damage, cover all |
| cover? | | | | areas with a tarp. By drying, covering and |
| Homeowners policies don't cover damages from a | | | | dehumidifying all wet areas you can attempt to |
| flood, you would need to purchase flood insurance if | | | | minimize the chance that mold will form from the |
| you want to be specifically covered for water | | | | water damage. Flooding can happen if a storm causes |
| damage caused by a flood. Your home insurance | | | | a river level to rise. Of course, always contact your |
| policy would pay for damage from rain coming | | | | insurance agent as soon as possible so that you can |
| through a hole or a window if the hole had been | | | | begin the homeowners insurance or business |
| caused by strong storm winds. But if you have a pipe | | | | insurance policy claims process. |
| leaking inside your house that created water damage | | | | Moisture Damage Over a Period of Time |
| over time, that wouldn't be covered. It simply comes | | | | If you find water or moisture damage that appears |
| down to if your water damage was caused by a | | | | to be from a leakage existing for a period of time, |
| covered event such as a storm or if the water | | | | mold might have developed and the chances your |
| damage happened because you failed to keep your | | | | claim will be covered are very slim. In this situation, |
| house repaired which would not be covered. If you | | | | trying to cleanup the mold now will spread the mold |
| are unsure as to what kind of water damage is | | | | spores and cause more property damage and |
| covered, carefully read through your home insurance | | | | increased health risks. Mold is extremely dangerous to |
| policy or call your the company. | | | | your health and it is crucial that you have a |
| Avoid Mold: Cleaning Up After a Disaster | | | | professional restoration expert come to cleanup the |
| It is very important you take steps to repair your | | | | damage. Obvious damage from flooding can be |
| water damage because if you let the damage linger it | | | | cleaned up but mold growth isn't always apparent. |
| could cause further damage as well as health risks. | | | | Moisture behind drywall can be detected using |
| Don't ignore obvious signs of a water problem in your | | | | specialized equipment from a certified disaster |
| house! You need to immediately try to find any leaks | | | | restoration contractor. Typically insurance policies |
| and repair them from the source. When you let | | | | have a cap or limit of what the insurance company is |
| water leak in your house, moisture builds up and mold | | | | willing to pay towards mold removal. Prepare to |
| will grow. Mold will eat through the building's structure | | | | cover at least some of the clean up expense out of |
| and gradually cause health problems that could | | | | your pocket, that means shopping around on search |
| become serious. Mold exposure causes a wide variety | | | | engines to select a competent disaster restoration |
| of health effects such as coughs, nosebleeds, runny | | | | company in your area. Contact your home insurance |
| noses, sinusitis and congestion and even more serious | | | | company to check if any of the damage is covered |
| upper respiratory problems such as bronchitis and | | | | with your policy and call a professional disaster |
| asthma. Many insurance companies don't cover mold | | | | restoration company immediately. |