Water damage is one of the most common causes of home insurance claims. According to ISO, Water damage claims are the second largest frequent insurance claim, following wind and hail damage. The percentage of claims due to water damage is also increasing, while other causes of damage have stayed fairly consistent or even decreased. It's no wonder people have a lot of questions about water damage and what is covered on home insurance, and why things, like "gradual damage" are not covered. Things get even more complicated when we look at the exceptions.
For more than 10 years, homeowners all around the Dallas and Ft Worth area have called on us for immediate assistance with water restoration services for flooding and water emergencies. We have the resources and experience to deal with any kind of water situation quickly and efficiently. When your home or business has had a flood, you really don’t want to leave a voice mail for someone to call you back during “normal business hours.” Water damage doesn’t care what time it is, and neither do we. We are available 24/7 to take care of your water problem now.
To prevent water damage, you should replace your washing machine supply hose at least once every five years. Also, resist the temptation to overload your washing machine. Constantly stuffing too many clothes into your washing machine could loosen gaskets and valves or cause cracks. Take good care of your washing machine and your washing machine will take good care of you.
Most insurance policies will pay to remove mold only if it must be removed to repair or replace property that was damaged by a covered peril. You must report water damage that was hidden from view within 30 days of the date you first noticed it. Some companies provide a limited amount of mold remediation coverage, and other companies will allow you to buy additional coverage for mold remediation by endorsement.
Flooring repairs typically range between $200 to $500. The type of flooring and the length of time water sits affects the costs of removal and repair. Some types of flooring are more permeable than others. For example, laminates and carpet soak up liquids and degrade the subfloor quickly, whereas hardwood can sit underwater for short periods with little damage. Most tile products are either impervious to liquids or can be cleaned and dried with little or no damage, though the area may need grout work.
Coastal Surge: If you live by the ocean, rising tides and seasonal storms can cause flooding to your property. When a high tide corresponds with a storm, it can be a recipe for disaster. As well as those right along the coast, other properties set slightly off from the ocean can also be at risk. High winds from the storm can also help water infiltrate and damage buildings and land.
For more than 10 years, homeowners all around the Dallas and Ft Worth area have called on us for immediate assistance with water restoration services for flooding and water emergencies. We have the resources and experience to deal with any kind of water situation quickly and efficiently. When your home or business has had a flood, you really don’t want to leave a voice mail for someone to call you back during “normal business hours.” Water damage doesn’t care what time it is, and neither do we. We are available 24/7 to take care of your water problem now.
Water damage can originate by different sources such as a broken dishwasher hose, a washing machine overflow, a dishwasher leakage, broken/leaking pipes, flood waters and clogged toilets. According to the Environmental Protection Agency, 13.7% of all water used in the home today can be attributed to plumbing leaks.[3] On average that is approximately 10,000 gallons of water per year wasted by leaks for each US home. A tiny, 1/8-inch crack in a pipe can release up to 250 gallons of water a day.[4] According to Claims Magazine in August 2000, broken water pipes ranked second to hurricanes in terms of both the number of homes damaged and the amount of claims (on average $50,000 per insurance claim[citation needed]) costs in the US.[5] Experts suggest that homeowners inspect and replace worn pipe fittings and hose connections to all household appliances that use water at least once a year. This includes washing machines, dishwashers, kitchen sinks and bathroom lavatories, refrigerator icemakers, water softeners and humidifiers. A few US companies offer whole-house leak protection systems utilizing flow-based technologies. A number of insurance companies offer policy holders reduced rates for installing a whole-house leak protection system.
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