Why water damage claim is rejected
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Water damage is the most commonly caused issue in most of the building. Most of the damages caused by water are covered by home owners insurances. Damage due to inner faults at home like pipe leaks or roof leaks are covered in insurance however damage caused due to poor maintenance is not covered. Also the damages caused due to floods are also not covered in most of the insurance policies unless specifically stated.
Some of the common water damage claims covered by home insurance are:
Cracked pipes
Toilet overflows
Damaged roof
Damages due to machinery faults
Heavy rains
Also there are some water damage claims that are not covered by insurance are:
Damage due to storms
Damages due to poor maintenance
Damages due to human fault or negligence
Damages caused by floods
Damages caused by sewer overflow
Water damage claim can be very tricky sometimes. It is best to go through terms and conditions of you insurance policy thoroughly. This will avoid any surprise at the last moment. If in dilemma about any things, ask your insurance agent about it. Always keep in mind that if you live in an area where there is possibility of floods, get insurance for floods too. This can be done in two ways, first talk to your insurance agent to add flood claim in your policy. Second one is to get national flood insurance from government. It is commonly misinterpreted that such policies are only for those public who live in floods zones, but it is observed many times that floods are occurred apart from such flood zones too.
It is always good practice to avoid such issue which can land you in rejection of you water damage claim. Only thing you have to do is to be attentive. It is seen that most of the water damage are caused due to poor maintenance, so keeping your place maintained is the safest option you have. Do regular inspections of your roof, check for cracks, if found get them repaired. Check basements too for water seepage as this is not covered by most insurance companies. If any seepage found, try some water proof seals or consult some water damage restoration companies. Check for corners for moistures, a dehumidifier can be used to dry them. By using all these methods your home will be safe from any unexpected water damage. Even if any water damage occurs, immediately inform your insurance adjuster for filing claim and call a water damage restoration company.
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Author Resource:-
Author is an inbound marketer, he loves to write articles. Through this article he is emphasizing on water damage claim
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By :
markcooper cooper
Submitted
2012-02-01 14:28:27 |
Article From Article Mayhem
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