Water damage is usually just one part of a larger problem, whether it’s a broken pipe or flooding from heavy rains. No matter what the cause may be, though, finding a company to take care of your water damage restoration in Phoenix, AZ, is an important step in getting your life back to normal.
But before you head off to search the internet for “water damage restoration near me,” there are some important factors you need to consider in order to hire the right company. Making sure that you find a water restoration contractor that’s available 24/7, has the right licensing and certification, and is well-versed in the latest technology will ensure that your home gets restored properly.
You’ll also want to make sure that the company you choose will be able to work with your insurance provider. Water damage is one of the top two leading reasons for home insurance claims. On average, those claims are often over $10,000. Without insurance, the cost of repairs would be unreachable for most families. Yet failing to address the damage could leave a home at risk of structural failure or growth of mold and bacteria.
When you’re considering your options for water damage restoration in Phoenix, AZ, here are some things to keep in mind when you want to be able to use your homeowner’s insurance policy to pay for repairs.
What is Covered by Most Homeowner’s Insurance Policies?
Every homeowner’s insurance policy will be slightly different, which means that the first step to addressing your water damage is to examine your policy. In general, policies are designed to address two kinds of water damage: Water that comes from the top down and water that springs from the bottom up.
Water damage coming from the top down will usually include pipes that may have burst, as well as rainfall events, like leaks in your roof. These catastrophic events are considered to be exceptional events, and because they spring from your home itself, they’ll usually be covered by your policy.
Water damage from the bottom up, on the other hand, usually won’t be covered. Water from an overflowing river, for example, or from water that enters your home from the ground is considered to be an environmental factor. For coverage to apply, you’ll usually have to have a separate policy, like one issued through the National Flood Insurance Program. These additional policies can help to make sure that your home is covered, no matter where the water damage comes from.
If Your Claim is Denied
While insurance claims may be nerve-wracking, there’s usually no reason to worry when you’re working with a reputable company. However, there are some circumstances that might lead to your claim being denied. When that happens, you’ll have a few options.
The most common reason that insurance companies deny water damage claims is because the damage is determined to have come from a gradual degradation, rather than a catastrophic event. For instance, if you have a roof leak but haven’t had your roof inspected in years, then your insurance company may decide that the fault rests with you for not properly maintaining your roof.
At other times, claims are denied because they aren’t specifically covered by the insurance policy. This is especially common when homeowners are dealing with smaller companies, which often offer a la carte coverage. If you decide to work with these companies, be careful to make sure that your home is adequately covered.
If your claim is denied, you can look for an independent insurance adjuster to dispute the decision. You may also be able to get in touch with your state’s insurance commissioner, where you can file a formal complaint.
The Water Restoration Process
Water damage restoration needs to be done quickly so that additional damage doesn’t accumulate. However, it’s important to follow the right steps in order to ensure that you receive a full payout from your insurance company.
Ideally, your water damage restoration company will have relationships with a number of insurers. They’ll be able to work with your insurance company to give the adjuster the information they need, while also getting the restoration process started.
Your company will also work with insurers to make sure that the adjuster assesses the initial damage before they start their work. This allows your insurance provider to document the scope of the damage and make an estimate of the cost of repairs that would be appropriate. While that estimate is being generated, the company can get started on removing the excess water from your home to prevent mold and bacterial growth.
The water restoration company will work with the insurer to facilitate the claims process, so you won’t have to worry about it. You can rest assured that your home will be restored quickly and effectively and that you’ll get the most from your insurance policy.
Want to Learn More About Finding Water Damage Restoration Near Me?
Experiencing a water damage event and need service quickly? Request rapid response service from R2 Fire & Water today.