Does Home Insurance Cover Water Damage?
Water damage restoration is a serious matter and can lead to many health issues if not dealt with properly and quickly. Depending on where you live, water can create a hazardous and destructive force, and many homes and buildings haven't been built to face this threat. That's why it is essential to know the different types of water damage you may encounter in your life. As a homeowner, you are responsible for taking care of water issues at home. But what happens if the damage is too extensive? Or if you didn't notice it right away? Tidal Wave Response understands how crucial it is to deal with these problems immediately by initiating water damage removal and proceeding to water damage restoration. These steps will minimize further damage and health risks.
Types of Water Damage
Three types of water damage are clean, grey, or black.
Clean Water Damage
Clean water does not contain any harmful contaminants; it can come from everyday household use, such as washing clothes or dishes. Insurance companies typically cover this type of damage because it doesn't pose any health risks to your home or family. Repairing clean water damage is much simpler than repairing other types of water damage because it doesn't require any special equipment to remove the moisture from the walls, floors, or furniture in your home.
Grey Water Damage
Greywater disaster response may or may not be covered depending on how much water enters your home. If there is significant flooding outside (where your grey water is coming from), this could be considered an act of nature and, therefore, not covered by insurance companies. However, if there is no outside source for the grey water accumulation and it only comes from within the walls or ceiling cavities of your home, then this type of damage should be covered under most policies.
Black Water Damage
Black water is any liquid that contains fecal matter. This is often the result of a sewer backup, which happens when the main sewer line becomes clogged with debris from surrounding properties and backs up your house. The first step in dealing with this type of disaster is to call your insurance company to see if it's covered under your policy. If so, they will send out an adjuster who will inspect your home for signs of damage and determine whether or not repairs are necessary. They may even send an environmental remediation company to clean up any remaining contamination before starting repairs.
Tidal Wave Response
The water damage restoration experts at Tidal Wave Response have seen it all. From flooded basements to burst pipes to broken toilets, our technicians have the experience it takes to solve any of your water damage problems. When the water is pumped out, you will want to make sure that you thoroughly dry your structure. There are a few different ways to help get the job done. The best way to do this is to use fans to dry everything out as fast as possible. While using fans, you can also air your wet floors with a dehumidifier. The dehumidifier will pull all the moisture out of your flooring and help it dry faster. As a water damage restoration company, we have commercial restoration equipment for proper cleanup.
