If you still do not understand why something isn't covered, and you think there is a chance for a review of your situation, don't be afraid to ask your agent or representative for a review or a second opinion. In a stressful situation like a claim, it is understandable that things may not be expressed clearly on either side. You want to make sure you understand fully.
One of the simplest proactive steps is getting an annual plumbing inspection. These are often free or free with other services. The plumber will inspect all visible plumbing including fixtures, pipes, appliances, and drains. They diagnose and fix small problems before they become big ones. They can also tell you the best time to replace worn fixtures and appliances.
Repairing mold-damaged drywall is not difficult, but correcting the cause of the mold can often be challenging. Roof leaks, an improperly installed vapor barrier, leaky pipes, or constant contact with water from sinks, tubs, and showers can cause mold damage. Mold happens whenever moisture is constantly present. Mold spores attach to the paper facing of the drywall, the paper becomes a food source, and the mold colony propagates and grows. Long-term exposure to mold spores can be harmful, especially if a person is allergic to mold. You should consider consulting a mold removal specialist to determine the type of mold that is present, and you should always wear a face mask and gloves when working with mold.
BRAVO – job well done! Discovered a flood at home in San Francisco – water had been over flowing a 2nd floor sink for 15 hours. Contacted Allied, signed work order on line and workers were at the house within 15 minutes. They brought a truck load of equipment to mitigate the damage. Drying fans were installed, heating pads were placed on hardwood floors, walls and ceilings were opened and drying and dehumidifying tubes installed. Excellent, professional care. Very pleased with their swift delivery of emergency service AND their attention to detail to ensure the water damage was dried out completely.
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".