It’s spring storm season! Did you know that flooding and water damage coverage is determined by what caused the incident? Water damage can occur in homes from several origins:
- Weather events outside the home. Homeowners policies generally do not cover flooding due to hurricanes, rainstorms, snow melt, and similar weather events. You can purchase a separate Flood insurance policy to obtain this coverage
- Groundwater seepage through cracks or drains. This type of damage will also not typically have coverage under your Homeowners policy. This is because this type of damage is easy to avoid – as long as the homeowner performs regular maintenance and upkeep.
- Sudden and accidental events that occur inside the home. This can include burst pipes or broken appliances, like a washing machine.
Defective Parts & Faulty Installation
When water damage happens due to defective parts or faulty installation or repair, the negligent parties will be held responsible. In this situation it can be important to save old parts, manuals, receipts, and invoices. All these things can help assist your claims representative in determining where you, the manufacturer, or the technician are responsible. You may even get a complete or partial deductible refund if another party is responsible!
Farmers Insurance also offers Emergency Mitigation Referral Program (EMRP) to assist with cleaning and restoration 24/7, 365 days a year! The program works with several networks of vendors with cleaning and disaster restoration certifications. Our vendors provide one-hour contact after receiving the referral and 4-hour on-site arrival, so there’s no long wait! The licensed and trained professionals adhere to the industry guidelines, processes, and procedures for cost-effective drying of water damage. They will determine the most effective way to return your property to normal as quickly as possible! If feasible, the use non-destructive drying techniques can even help homeowners stay in their homes during restoration.