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Filing a Water Damage Insurance Claim

Written by jsolloway on . Posted in , , .

A flood can cause significant damage to a home or business. The proper restoration can be costly, but necessary to remove bacteria and prevent future mold growth.  In many cases, homeowner’s insurance will cover the cost of these repairs.  This is typically true if the flood is caused by a plumbing problem, storm damage or sewage backup.  However, if the damage is the result of lack of proper maintenance and neglect over an extended period of time many insurance companies will not cover the repair costs.

Many Floods in the Home Are Covered by Homeowner’s Insurance

Some of the most common sources of a flood in the home are leaking pipes, overflowing or malfunctioning toilets or damage resulting from a storm.  In these scenarios, the insurance company should typically cover the cost to repair the property and restore it to its pre-flood condition.  After shutting off the source of the water, you will need to contact the insurance company immediately to begin the process of filing a claim for the damage.  They will then give you the green light to hire a restoration company and begin the process of making necessary repairs to the property.

Gradual Water Damage is Often Not Covered by Insurance

Water damage that is the result of neglect, such as pipes leaking for an extended period of time or a leaky roof that has been left unaddressed, is often not covered by homeowner’s insurance.  This damage, which will certainly worsen with time, is considered lack of maintenance.  Even if the leak went undetected for an extended period of time, this can be difficult to have a claim covered by your insurance company. 

It is important to frequently check areas of your home for any standing water or signs of leakage.  This should include checking the basement around the hot water heater and visually inspecting the roof for damaged shingles that may lead to a slow leak.  Being a diligent homeowner will not only ensure that you are insured if there is water damage, but it can also prevent more extensive damage from the water.

The insurance statements in this article provide general guidelines for typical situations, but do not always apply. Your insurance company will determine coverage. If you have specific coverage questions, we recommend speaking to your local insurance agent to review your policy.

If your home does experience water damage, the professional restoration team at Soil-Away can help.  From drying out the area completely to repairing any structural damage, teams are on call 24/7.

Contact Soil-Away at 603-641-6555.

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Jay KorsenJay Korsen
00:51 04 Aug 22
All I have to say is WOW and FANTASTIC. I just got done building out my new professional office with Soil-Away’s construction division and they went ABOVE and BEYOND. Scott and Mike, the carpenters are skilled artisans. The project got done on time and the project came in on budget! The finished results have been blowing people away. Much better than I could have anticipated. Anyone is welcome to come to our office, Bright Light Chiropractic in Hooksett to check out the fine work they did. Simply can’t sing enough praises for them. Sorry that the picture doesn’t do the job justice. Thank you Jack and your team. -Dr. Jay
Asian BreezeAsian Breeze
04:28 15 Jul 22
Since day one, I’ve known the owner, Jack, to be a hard-working and selfless leader. Through the efforts of him and his team, he was able to restore my flooded restaurant to tip-top shape. I was amazed with Jack’s orderliness throughout the entire process. Jack has proven to me that he is trustworthy, as both a friend and an individual in the work environment.
Breton LangendorferBreton Langendorfer
21:17 07 Jul 22
Highly recommend Soil-Away. A pipe in our upstairs bathroom gave and sent water down through a wall for at least a day before we noticed water dripping through our kitchen ceiling. Our insurance put us in touch with Soil-Away and they were at our house the next morning to assess the damage and dry things out. Joe, Ray and Tom were phenomenal to work with. They explained every part of the process to us and were very professional and friendly. If you have to deal with similar issues call Soil-Away, you won’t regret it.
Maureen CidzikMaureen Cidzik
13:49 15 May 22
Superior service from start to finish. Highly responsive. The entire team is dedicated to quality and customer care and it shows in everything they do – from first call, to estimate, to job completion.
Sarah GrugnaleSarah Grugnale
16:02 14 Jan 22
Joe and Tommy were amazing to deal with, they kept us updated every step of the process. They were punctual and hard working, answering all of our questions that we had. Everything was done as promised and even above and beyond. A great experience from start to finish.