Types Of Water Damage Covered By Insurance Claims | Water Damage Restoration in NY
Water damage can strike unexpectedly, turning your home into a watery battleground and leaving you desperate for water damage restoration in NY.
If you find yourself grappling with the aftermath of water damage in the deep state of New York, don’t fret. Understand the different types of insurance claims and seek professional water damage services.
Today, we’ll cover the types of water damage covered by insurance claims and how to get help with water damage restoration in NY.
1. Burst Pipes
Freezing temperatures during winter can cause pipes to freeze and burst, leading to costly water damage. Burst pipes can result in flooded areas, damaged walls, and ruined belongings. Homeowners’ insurance policies typically cover burst pipe claims, including the cost of repairs and water damage restoration services.
2. Leaking Roofs | Water Damage Restoration in NY
Water can seep into your home if the roof is damaged or not maintained properly, leading to mold growth, structural damage, and other issues. Roof leaks are often covered by insurance, but it depends on the cause of the damage.
If the leak is caused by wear and tear or lack of maintenance, there may be restrictions on insurance coverage. However, your insurance should cover the damage if the leak results from a covered peril, such as a storm or fallen tree.
3. Appliance Malfunctions
Malfunctioning appliances like dishwashers, washing machines, or water heaters can cause significant water damage. If a device suddenly breaks or malfunctions, resulting in water damage, your homeowner’s insurance policy may cover the repairs and restoration. However, reviewing your policy to understand the specific coverage limits and exclusions is essential.
4. Sewer Backup
Sewer backups can occur due to heavy rain, tree root intrusion, or blockages in the sewer system. These backups can lead to contaminated water flooding your home, posing health risks and causing extensive damage.
While standard homeowner’s insurance policies may not cover sewer backups, you can often purchase additional coverage for this type of water damage.
Related: 5 Health Risks Of Water Damage To Your Property | Water Damage Cleanup In NJ
5. Flooding | Water Damage Restoration in NY
Flooding caused by natural disasters such as hurricanes, heavy rains, or overflowing rivers is typically not covered by standard homeowner’s insurance policies. However, you can purchase separate flood insurance through the National Flood Insurance Program (NFIP) or private insurers to protect your property from flood-related water damage.
6. Accidental Water Damage
Your homeowner’s insurance policy may cover accidental water damage caused by human error, including leaving a faucet running or forgetting to turn off the bathtub. However, coverage may vary depending on your specific policy terms and conditions.
Seek Professional Water Damage Restoration in NY for Your Claim
If you have experienced water damage, contact ServiceMaster By Complete Staten Island, NY, for reliable water damage services. Our trained professionals understand the urgency and importance of dealing with these types of damages and have experience handling all types of water damage claims.
From leaky pipes to flooding, we offer comprehensive water damage restoration in NY and can help you assess the extent of the damage and recommend an effective solution.
Contact us today and learn more about our water damage services.
